Loan Data From Prosper

by Peter Wu

Preliminary Wrangling

This data set contains 113,937 loans with 81 variables on each loan, including loan amount, borrower rate (or interest rate), current loan status, borrower income, and many others.

In [1]:
# import all packages and set plots to be embedded inline
import numpy as np
import pandas as pd
import matplotlib.pyplot as plt
import seaborn as sb
%matplotlib inline
In [2]:
df = pd.read_csv('prosperLoanData.csv', encoding='latin-1', low_memory=False)
df.head()
Out[2]:
ListingKey ListingNumber ListingCreationDate CreditGrade Term LoanStatus ClosedDate BorrowerAPR BorrowerRate LenderYield ... LP_ServiceFees LP_CollectionFees LP_GrossPrincipalLoss LP_NetPrincipalLoss LP_NonPrincipalRecoverypayments PercentFunded Recommendations InvestmentFromFriendsCount InvestmentFromFriendsAmount Investors
0 1021339766868145413AB3B 193129 2007-08-26 19:09:29.263000000 C 36 Completed 2009-08-14 00:00:00 0.16516 0.1580 0.1380 ... -133.18 0.0 0.0 0.0 0.0 1.0 0 0 0.0 258
1 10273602499503308B223C1 1209647 2014-02-27 08:28:07.900000000 NaN 36 Current NaN 0.12016 0.0920 0.0820 ... 0.00 0.0 0.0 0.0 0.0 1.0 0 0 0.0 1
2 0EE9337825851032864889A 81716 2007-01-05 15:00:47.090000000 HR 36 Completed 2009-12-17 00:00:00 0.28269 0.2750 0.2400 ... -24.20 0.0 0.0 0.0 0.0 1.0 0 0 0.0 41
3 0EF5356002482715299901A 658116 2012-10-22 11:02:35.010000000 NaN 36 Current NaN 0.12528 0.0974 0.0874 ... -108.01 0.0 0.0 0.0 0.0 1.0 0 0 0.0 158
4 0F023589499656230C5E3E2 909464 2013-09-14 18:38:39.097000000 NaN 36 Current NaN 0.24614 0.2085 0.1985 ... -60.27 0.0 0.0 0.0 0.0 1.0 0 0 0.0 20

5 rows × 81 columns

Out[2]:
ListingKey ListingNumber ListingCreationDate CreditGrade Term LoanStatus ClosedDate BorrowerAPR BorrowerRate LenderYield ... LP_ServiceFees LP_CollectionFees LP_GrossPrincipalLoss LP_NetPrincipalLoss LP_NonPrincipalRecoverypayments PercentFunded Recommendations InvestmentFromFriendsCount InvestmentFromFriendsAmount Investors
0 1021339766868145413AB3B 193129 2007-08-26 19:09:29.263000000 C 36 Completed 2009-08-14 00:00:00 0.16516 0.1580 0.1380 ... -133.18 0.0 0.0 0.0 0.0 1.0 0 0 0.0 258
1 10273602499503308B223C1 1209647 2014-02-27 08:28:07.900000000 NaN 36 Current NaN 0.12016 0.0920 0.0820 ... 0.00 0.0 0.0 0.0 0.0 1.0 0 0 0.0 1
2 0EE9337825851032864889A 81716 2007-01-05 15:00:47.090000000 HR 36 Completed 2009-12-17 00:00:00 0.28269 0.2750 0.2400 ... -24.20 0.0 0.0 0.0 0.0 1.0 0 0 0.0 41
3 0EF5356002482715299901A 658116 2012-10-22 11:02:35.010000000 NaN 36 Current NaN 0.12528 0.0974 0.0874 ... -108.01 0.0 0.0 0.0 0.0 1.0 0 0 0.0 158
4 0F023589499656230C5E3E2 909464 2013-09-14 18:38:39.097000000 NaN 36 Current NaN 0.24614 0.2085 0.1985 ... -60.27 0.0 0.0 0.0 0.0 1.0 0 0 0.0 20

5 rows × 81 columns

In [3]:
df.info()
<class 'pandas.core.frame.DataFrame'>
RangeIndex: 113937 entries, 0 to 113936
Data columns (total 81 columns):
ListingKey                             113937 non-null object
ListingNumber                          113937 non-null int64
ListingCreationDate                    113937 non-null object
CreditGrade                            28953 non-null object
Term                                   113937 non-null int64
LoanStatus                             113937 non-null object
ClosedDate                             55089 non-null object
BorrowerAPR                            113912 non-null float64
BorrowerRate                           113937 non-null float64
LenderYield                            113937 non-null float64
EstimatedEffectiveYield                84853 non-null float64
EstimatedLoss                          84853 non-null float64
EstimatedReturn                        84853 non-null float64
ProsperRating (numeric)                84853 non-null float64
ProsperRating (Alpha)                  84853 non-null object
ProsperScore                           84853 non-null float64
ListingCategory (numeric)              113937 non-null int64
BorrowerState                          108422 non-null object
Occupation                             110349 non-null object
EmploymentStatus                       111682 non-null object
EmploymentStatusDuration               106312 non-null float64
IsBorrowerHomeowner                    113937 non-null bool
CurrentlyInGroup                       113937 non-null bool
GroupKey                               13341 non-null object
DateCreditPulled                       113937 non-null object
CreditScoreRangeLower                  113346 non-null float64
CreditScoreRangeUpper                  113346 non-null float64
FirstRecordedCreditLine                113240 non-null object
CurrentCreditLines                     106333 non-null float64
OpenCreditLines                        106333 non-null float64
TotalCreditLinespast7years             113240 non-null float64
OpenRevolvingAccounts                  113937 non-null int64
OpenRevolvingMonthlyPayment            113937 non-null float64
InquiriesLast6Months                   113240 non-null float64
TotalInquiries                         112778 non-null float64
CurrentDelinquencies                   113240 non-null float64
AmountDelinquent                       106315 non-null float64
DelinquenciesLast7Years                112947 non-null float64
PublicRecordsLast10Years               113240 non-null float64
PublicRecordsLast12Months              106333 non-null float64
RevolvingCreditBalance                 106333 non-null float64
BankcardUtilization                    106333 non-null float64
AvailableBankcardCredit                106393 non-null float64
TotalTrades                            106393 non-null float64
TradesNeverDelinquent (percentage)     106393 non-null float64
TradesOpenedLast6Months                106393 non-null float64
DebtToIncomeRatio                      105383 non-null float64
IncomeRange                            113937 non-null object
IncomeVerifiable                       113937 non-null bool
StatedMonthlyIncome                    113937 non-null float64
LoanKey                                113937 non-null object
TotalProsperLoans                      22085 non-null float64
TotalProsperPaymentsBilled             22085 non-null float64
OnTimeProsperPayments                  22085 non-null float64
ProsperPaymentsLessThanOneMonthLate    22085 non-null float64
ProsperPaymentsOneMonthPlusLate        22085 non-null float64
ProsperPrincipalBorrowed               22085 non-null float64
ProsperPrincipalOutstanding            22085 non-null float64
ScorexChangeAtTimeOfListing            18928 non-null float64
LoanCurrentDaysDelinquent              113937 non-null int64
LoanFirstDefaultedCycleNumber          16952 non-null float64
LoanMonthsSinceOrigination             113937 non-null int64
LoanNumber                             113937 non-null int64
LoanOriginalAmount                     113937 non-null int64
LoanOriginationDate                    113937 non-null object
LoanOriginationQuarter                 113937 non-null object
MemberKey                              113937 non-null object
MonthlyLoanPayment                     113937 non-null float64
LP_CustomerPayments                    113937 non-null float64
LP_CustomerPrincipalPayments           113937 non-null float64
LP_InterestandFees                     113937 non-null float64
LP_ServiceFees                         113937 non-null float64
LP_CollectionFees                      113937 non-null float64
LP_GrossPrincipalLoss                  113937 non-null float64
LP_NetPrincipalLoss                    113937 non-null float64
LP_NonPrincipalRecoverypayments        113937 non-null float64
PercentFunded                          113937 non-null float64
Recommendations                        113937 non-null int64
InvestmentFromFriendsCount             113937 non-null int64
InvestmentFromFriendsAmount            113937 non-null float64
Investors                              113937 non-null int64
dtypes: bool(3), float64(50), int64(11), object(17)
memory usage: 68.1+ MB
<class 'pandas.core.frame.DataFrame'>
RangeIndex: 113937 entries, 0 to 113936
Data columns (total 81 columns):
ListingKey                             113937 non-null object
ListingNumber                          113937 non-null int64
ListingCreationDate                    113937 non-null object
CreditGrade                            28953 non-null object
Term                                   113937 non-null int64
LoanStatus                             113937 non-null object
ClosedDate                             55089 non-null object
BorrowerAPR                            113912 non-null float64
BorrowerRate                           113937 non-null float64
LenderYield                            113937 non-null float64
EstimatedEffectiveYield                84853 non-null float64
EstimatedLoss                          84853 non-null float64
EstimatedReturn                        84853 non-null float64
ProsperRating (numeric)                84853 non-null float64
ProsperRating (Alpha)                  84853 non-null object
ProsperScore                           84853 non-null float64
ListingCategory (numeric)              113937 non-null int64
BorrowerState                          108422 non-null object
Occupation                             110349 non-null object
EmploymentStatus                       111682 non-null object
EmploymentStatusDuration               106312 non-null float64
IsBorrowerHomeowner                    113937 non-null bool
CurrentlyInGroup                       113937 non-null bool
GroupKey                               13341 non-null object
DateCreditPulled                       113937 non-null object
CreditScoreRangeLower                  113346 non-null float64
CreditScoreRangeUpper                  113346 non-null float64
FirstRecordedCreditLine                113240 non-null object
CurrentCreditLines                     106333 non-null float64
OpenCreditLines                        106333 non-null float64
TotalCreditLinespast7years             113240 non-null float64
OpenRevolvingAccounts                  113937 non-null int64
OpenRevolvingMonthlyPayment            113937 non-null float64
InquiriesLast6Months                   113240 non-null float64
TotalInquiries                         112778 non-null float64
CurrentDelinquencies                   113240 non-null float64
AmountDelinquent                       106315 non-null float64
DelinquenciesLast7Years                112947 non-null float64
PublicRecordsLast10Years               113240 non-null float64
PublicRecordsLast12Months              106333 non-null float64
RevolvingCreditBalance                 106333 non-null float64
BankcardUtilization                    106333 non-null float64
AvailableBankcardCredit                106393 non-null float64
TotalTrades                            106393 non-null float64
TradesNeverDelinquent (percentage)     106393 non-null float64
TradesOpenedLast6Months                106393 non-null float64
DebtToIncomeRatio                      105383 non-null float64
IncomeRange                            113937 non-null object
IncomeVerifiable                       113937 non-null bool
StatedMonthlyIncome                    113937 non-null float64
LoanKey                                113937 non-null object
TotalProsperLoans                      22085 non-null float64
TotalProsperPaymentsBilled             22085 non-null float64
OnTimeProsperPayments                  22085 non-null float64
ProsperPaymentsLessThanOneMonthLate    22085 non-null float64
ProsperPaymentsOneMonthPlusLate        22085 non-null float64
ProsperPrincipalBorrowed               22085 non-null float64
ProsperPrincipalOutstanding            22085 non-null float64
ScorexChangeAtTimeOfListing            18928 non-null float64
LoanCurrentDaysDelinquent              113937 non-null int64
LoanFirstDefaultedCycleNumber          16952 non-null float64
LoanMonthsSinceOrigination             113937 non-null int64
LoanNumber                             113937 non-null int64
LoanOriginalAmount                     113937 non-null int64
LoanOriginationDate                    113937 non-null object
LoanOriginationQuarter                 113937 non-null object
MemberKey                              113937 non-null object
MonthlyLoanPayment                     113937 non-null float64
LP_CustomerPayments                    113937 non-null float64
LP_CustomerPrincipalPayments           113937 non-null float64
LP_InterestandFees                     113937 non-null float64
LP_ServiceFees                         113937 non-null float64
LP_CollectionFees                      113937 non-null float64
LP_GrossPrincipalLoss                  113937 non-null float64
LP_NetPrincipalLoss                    113937 non-null float64
LP_NonPrincipalRecoverypayments        113937 non-null float64
PercentFunded                          113937 non-null float64
Recommendations                        113937 non-null int64
InvestmentFromFriendsCount             113937 non-null int64
InvestmentFromFriendsAmount            113937 non-null float64
Investors                              113937 non-null int64
dtypes: bool(3), float64(50), int64(11), object(17)
memory usage: 68.1+ MB
In [4]:
df_dict = pd.read_csv('Prosper Loan Data - Variable Definitions - Sheet1.csv')

#display the full rows and columns of the dictionary dataframe
pd.options.display.max_colwidth = 1000
pd.options.display.max_rows = 1000
df_dict
Out[4]:
Variable Description
0 ListingKey Unique key for each listing, same value as the 'key' used in the listing object in the API.
1 ListingNumber The number that uniquely identifies the listing to the public as displayed on the website.
2 ListingCreationDate The date the listing was created.
3 CreditGrade The Credit rating that was assigned at the time the listing went live. Applicable for listings pre-2009 period and will only be populated for those listings.
4 Term The length of the loan expressed in months.
5 LoanStatus The current status of the loan: Cancelled, Chargedoff, Completed, Current, Defaulted, FinalPaymentInProgress, PastDue. The PastDue status will be accompanied by a delinquency bucket.
6 ClosedDate Closed date is applicable for Cancelled, Completed, Chargedoff and Defaulted loan statuses.
7 BorrowerAPR The Borrower's Annual Percentage Rate (APR) for the loan.
8 BorrowerRate The Borrower's interest rate for this loan.
9 LenderYield The Lender yield on the loan. Lender yield is equal to the interest rate on the loan less the servicing fee.
10 EstimatedEffectiveYield Effective yield is equal to the borrower interest rate (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Applicable for loans originated after July 2009.
11 EstimatedLoss Estimated loss is the estimated principal loss on charge-offs. Applicable for loans originated after July 2009.
12 EstimatedReturn The estimated return assigned to the listing at the time it was created. Estimated return is the difference between the Estimated Effective Yield and the Estimated Loss Rate. Applicable for loans originated after July 2009.
13 ProsperRating (numeric) The Prosper Rating assigned at the time the listing was created: 0 - N/A, 1 - HR, 2 - E, 3 - D, 4 - C, 5 - B, 6 - A, 7 - AA. Applicable for loans originated after July 2009.
14 ProsperRating (Alpha) The Prosper Rating assigned at the time the listing was created between AA - HR. Applicable for loans originated after July 2009.
15 ProsperScore A custom risk score built using historical Prosper data. The score ranges from 1-10, with 10 being the best, or lowest risk score. Applicable for loans originated after July 2009.
16 ListingCategory The category of the listing that the borrower selected when posting their listing: 0 - Not Available, 1 - Debt Consolidation, 2 - Home Improvement, 3 - Business, 4 - Personal Loan, 5 - Student Use, 6 - Auto, 7- Other, 8 - Baby&Adoption, 9 - Boat, 10 - Cosmetic Procedure, 11 - Engagement Ring, 12 - Green Loans, 13 - Household Expenses, 14 - Large Purchases, 15 - Medical/Dental, 16 - Motorcycle, 17 - RV, 18 - Taxes, 19 - Vacation, 20 - Wedding Loans
17 BorrowerState The two letter abbreviation of the state of the address of the borrower at the time the Listing was created.
18 Occupation The Occupation selected by the Borrower at the time they created the listing.
19 EmploymentStatus The employment status of the borrower at the time they posted the listing.
20 EmploymentStatusDuration The length in months of the employment status at the time the listing was created.
21 IsBorrowerHomeowner A Borrower will be classified as a homowner if they have a mortgage on their credit profile or provide documentation confirming they are a homeowner.
22 CurrentlyInGroup Specifies whether or not the Borrower was in a group at the time the listing was created.
23 GroupKey The Key of the group in which the Borrower is a member of. Value will be null if the borrower does not have a group affiliation.
24 DateCreditPulled The date the credit profile was pulled.
25 CreditScoreRangeLower The lower value representing the range of the borrower's credit score as provided by a consumer credit rating agency.
26 CreditScoreRangeUpper The upper value representing the range of the borrower's credit score as provided by a consumer credit rating agency.
27 FirstRecordedCreditLine The date the first credit line was opened.
28 CurrentCreditLines Number of current credit lines at the time the credit profile was pulled.
29 OpenCreditLines Number of open credit lines at the time the credit profile was pulled.
30 TotalCreditLinespast7years Number of credit lines in the past seven years at the time the credit profile was pulled.
31 OpenRevolvingAccounts Number of open revolving accounts at the time the credit profile was pulled.
32 OpenRevolvingMonthlyPayment Monthly payment on revolving accounts at the time the credit profile was pulled.
33 InquiriesLast6Months Number of inquiries in the past six months at the time the credit profile was pulled.
34 TotalInquiries Total number of inquiries at the time the credit profile was pulled.
35 CurrentDelinquencies Number of accounts delinquent at the time the credit profile was pulled.
36 AmountDelinquent Dollars delinquent at the time the credit profile was pulled.
37 DelinquenciesLast7Years Number of delinquencies in the past 7 years at the time the credit profile was pulled.
38 PublicRecordsLast10Years Number of public records in the past 10 years at the time the credit profile was pulled.
39 PublicRecordsLast12Months Number of public records in the past 12 months at the time the credit profile was pulled.
40 RevolvingCreditBalance Dollars of revolving credit at the time the credit profile was pulled.
41 BankcardUtilization The percentage of available revolving credit that is utilized at the time the credit profile was pulled.
42 AvailableBankcardCredit The total available credit via bank card at the time the credit profile was pulled.
43 TotalTrades Number of trade lines ever opened at the time the credit profile was pulled.
44 TradesNeverDelinquent Number of trades that have never been delinquent at the time the credit profile was pulled.
45 TradesOpenedLast6Months Number of trades opened in the last 6 months at the time the credit profile was pulled.
46 DebtToIncomeRatio The debt to income ratio of the borrower at the time the credit profile was pulled. This value is Null if the debt to income ratio is not available. This value is capped at 10.01 (any debt to income ratio larger than 1000% will be returned as 1001%).
47 IncomeRange The income range of the borrower at the time the listing was created.
48 IncomeVerifiable The borrower indicated they have the required documentation to support their income.
49 StatedMonthlyIncome The monthly income the borrower stated at the time the listing was created.
50 LoanKey Unique key for each loan. This is the same key that is used in the API.
51 TotalProsperLoans Number of Prosper loans the borrower at the time they created this listing. This value will be null if the borrower had no prior loans.
52 TotalProsperPaymentsBilled Number of on time payments the borrower made on Prosper loans at the time they created this listing. This value will be null if the borrower had no prior loans.
53 OnTimeProsperPayments Number of on time payments the borrower had made on Prosper loans at the time they created this listing. This value will be null if the borrower has no prior loans.
54 ProsperPaymentsLessThanOneMonthLate Number of payments the borrower made on Prosper loans that were less than one month late at the time they created this listing. This value will be null if the borrower had no prior loans.
55 ProsperPaymentsOneMonthPlusLate Number of payments the borrower made on Prosper loans that were greater than one month late at the time they created this listing. This value will be null if the borrower had no prior loans.
56 ProsperPrincipalBorrowed Total principal borrowed on Prosper loans at the time the listing was created. This value will be null if the borrower had no prior loans.
57 ProsperPrincipalOutstanding Principal outstanding on Prosper loans at the time the listing was created. This value will be null if the borrower had no prior loans.
58 ScorexChangeAtTimeOfListing Borrower's credit score change at the time the credit profile was pulled. This will be the change relative to the borrower's last Prosper loan. This value will be null if the borrower had no prior loans.
59 LoanCurrentDaysDelinquent The number of days delinquent.
60 LoanFirstDefaultedCycleNumber The cycle the loan was charged off. If the loan has not charged off the value will be null.
61 LoanMonthsSinceOrigination Number of months since the loan originated.
62 LoanNumber Unique numeric value associated with the loan.
63 LoanOriginalAmount The origination amount of the loan.
64 LoanOriginationDate The date the loan was originated.
65 LoanOriginationQuarter The quarter in which the loan was originated.
66 MemberKey The unique key that is associated with the borrower. This is the same identifier that is used in the API member object.
67 MonthlyLoanPayment The scheduled monthly loan payment.
68 LP_CustomerPayments Pre charge-off cumulative gross payments made by the borrower on the loan. If the loan has charged off, this value will exclude any recoveries.
69 LP_CustomerPrincipalPayments Pre charge-off cumulative principal payments made by the borrower on the loan. If the loan has charged off, this value will exclude any recoveries.
70 LP_InterestandFees Pre charge-off cumulative interest and fees paid by the borrower. If the loan has charged off, this value will exclude any recoveries.
71 LP_ServiceFees Cumulative service fees paid by the investors who have invested in the loan.
72 LP_CollectionFees Cumulative collection fees paid by the investors who have invested in the loan.
73 LP_GrossPrincipalLoss The gross charged off amount of the loan.
74 LP_NetPrincipalLoss The principal that remains uncollected after any recoveries.
75 LP_NonPrincipalRecoverypayments The interest and fee component of any recovery payments. The current payment policy applies payments in the following order: Fees, interest, principal.
76 PercentFunded Percent the listing was funded.
77 Recommendations Number of recommendations the borrower had at the time the listing was created.
78 InvestmentFromFriendsCount Number of friends that made an investment in the loan.
79 InvestmentFromFriendsAmount Dollar amount of investments that were made by friends.
80 Investors The number of investors that funded the loan.
Out[4]:
Variable Description
0 ListingKey Unique key for each listing, same value as the 'key' used in the listing object in the API.
1 ListingNumber The number that uniquely identifies the listing to the public as displayed on the website.
2 ListingCreationDate The date the listing was created.
3 CreditGrade The Credit rating that was assigned at the time the listing went live. Applicable for listings pre-2009 period and will only be populated for those listings.
4 Term The length of the loan expressed in months.
5 LoanStatus The current status of the loan: Cancelled, Chargedoff, Completed, Current, Defaulted, FinalPaymentInProgress, PastDue. The PastDue status will be accompanied by a delinquency bucket.
6 ClosedDate Closed date is applicable for Cancelled, Completed, Chargedoff and Defaulted loan statuses.
7 BorrowerAPR The Borrower's Annual Percentage Rate (APR) for the loan.
8 BorrowerRate The Borrower's interest rate for this loan.
9 LenderYield The Lender yield on the loan. Lender yield is equal to the interest rate on the loan less the servicing fee.
10 EstimatedEffectiveYield Effective yield is equal to the borrower interest rate (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Applicable for loans originated after July 2009.
11 EstimatedLoss Estimated loss is the estimated principal loss on charge-offs. Applicable for loans originated after July 2009.
12 EstimatedReturn The estimated return assigned to the listing at the time it was created. Estimated return is the difference between the Estimated Effective Yield and the Estimated Loss Rate. Applicable for loans originated after July 2009.
13 ProsperRating (numeric) The Prosper Rating assigned at the time the listing was created: 0 - N/A, 1 - HR, 2 - E, 3 - D, 4 - C, 5 - B, 6 - A, 7 - AA. Applicable for loans originated after July 2009.
14 ProsperRating (Alpha) The Prosper Rating assigned at the time the listing was created between AA - HR. Applicable for loans originated after July 2009.
15 ProsperScore A custom risk score built using historical Prosper data. The score ranges from 1-10, with 10 being the best, or lowest risk score. Applicable for loans originated after July 2009.
16 ListingCategory The category of the listing that the borrower selected when posting their listing: 0 - Not Available, 1 - Debt Consolidation, 2 - Home Improvement, 3 - Business, 4 - Personal Loan, 5 - Student Use, 6 - Auto, 7- Other, 8 - Baby&Adoption, 9 - Boat, 10 - Cosmetic Procedure, 11 - Engagement Ring, 12 - Green Loans, 13 - Household Expenses, 14 - Large Purchases, 15 - Medical/Dental, 16 - Motorcycle, 17 - RV, 18 - Taxes, 19 - Vacation, 20 - Wedding Loans
17 BorrowerState The two letter abbreviation of the state of the address of the borrower at the time the Listing was created.
18 Occupation The Occupation selected by the Borrower at the time they created the listing.
19 EmploymentStatus The employment status of the borrower at the time they posted the listing.
20 EmploymentStatusDuration The length in months of the employment status at the time the listing was created.
21 IsBorrowerHomeowner A Borrower will be classified as a homowner if they have a mortgage on their credit profile or provide documentation confirming they are a homeowner.
22 CurrentlyInGroup Specifies whether or not the Borrower was in a group at the time the listing was created.
23 GroupKey The Key of the group in which the Borrower is a member of. Value will be null if the borrower does not have a group affiliation.
24 DateCreditPulled The date the credit profile was pulled.
25 CreditScoreRangeLower The lower value representing the range of the borrower's credit score as provided by a consumer credit rating agency.
26 CreditScoreRangeUpper The upper value representing the range of the borrower's credit score as provided by a consumer credit rating agency.
27 FirstRecordedCreditLine The date the first credit line was opened.
28 CurrentCreditLines Number of current credit lines at the time the credit profile was pulled.
29 OpenCreditLines Number of open credit lines at the time the credit profile was pulled.
30 TotalCreditLinespast7years Number of credit lines in the past seven years at the time the credit profile was pulled.
31 OpenRevolvingAccounts Number of open revolving accounts at the time the credit profile was pulled.
32 OpenRevolvingMonthlyPayment Monthly payment on revolving accounts at the time the credit profile was pulled.
33 InquiriesLast6Months Number of inquiries in the past six months at the time the credit profile was pulled.
34 TotalInquiries Total number of inquiries at the time the credit profile was pulled.
35 CurrentDelinquencies Number of accounts delinquent at the time the credit profile was pulled.
36 AmountDelinquent Dollars delinquent at the time the credit profile was pulled.
37 DelinquenciesLast7Years Number of delinquencies in the past 7 years at the time the credit profile was pulled.
38 PublicRecordsLast10Years Number of public records in the past 10 years at the time the credit profile was pulled.
39 PublicRecordsLast12Months Number of public records in the past 12 months at the time the credit profile was pulled.
40 RevolvingCreditBalance Dollars of revolving credit at the time the credit profile was pulled.
41 BankcardUtilization The percentage of available revolving credit that is utilized at the time the credit profile was pulled.
42 AvailableBankcardCredit The total available credit via bank card at the time the credit profile was pulled.
43 TotalTrades Number of trade lines ever opened at the time the credit profile was pulled.
44 TradesNeverDelinquent Number of trades that have never been delinquent at the time the credit profile was pulled.
45 TradesOpenedLast6Months Number of trades opened in the last 6 months at the time the credit profile was pulled.
46 DebtToIncomeRatio The debt to income ratio of the borrower at the time the credit profile was pulled. This value is Null if the debt to income ratio is not available. This value is capped at 10.01 (any debt to income ratio larger than 1000% will be returned as 1001%).
47 IncomeRange The income range of the borrower at the time the listing was created.
48 IncomeVerifiable The borrower indicated they have the required documentation to support their income.
49 StatedMonthlyIncome The monthly income the borrower stated at the time the listing was created.
50 LoanKey Unique key for each loan. This is the same key that is used in the API.
51 TotalProsperLoans Number of Prosper loans the borrower at the time they created this listing. This value will be null if the borrower had no prior loans.
52 TotalProsperPaymentsBilled Number of on time payments the borrower made on Prosper loans at the time they created this listing. This value will be null if the borrower had no prior loans.
53 OnTimeProsperPayments Number of on time payments the borrower had made on Prosper loans at the time they created this listing. This value will be null if the borrower has no prior loans.
54 ProsperPaymentsLessThanOneMonthLate Number of payments the borrower made on Prosper loans that were less than one month late at the time they created this listing. This value will be null if the borrower had no prior loans.
55 ProsperPaymentsOneMonthPlusLate Number of payments the borrower made on Prosper loans that were greater than one month late at the time they created this listing. This value will be null if the borrower had no prior loans.
56 ProsperPrincipalBorrowed Total principal borrowed on Prosper loans at the time the listing was created. This value will be null if the borrower had no prior loans.
57 ProsperPrincipalOutstanding Principal outstanding on Prosper loans at the time the listing was created. This value will be null if the borrower had no prior loans.
58 ScorexChangeAtTimeOfListing Borrower's credit score change at the time the credit profile was pulled. This will be the change relative to the borrower's last Prosper loan. This value will be null if the borrower had no prior loans.
59 LoanCurrentDaysDelinquent The number of days delinquent.
60 LoanFirstDefaultedCycleNumber The cycle the loan was charged off. If the loan has not charged off the value will be null.
61 LoanMonthsSinceOrigination Number of months since the loan originated.
62 LoanNumber Unique numeric value associated with the loan.
63 LoanOriginalAmount The origination amount of the loan.
64 LoanOriginationDate The date the loan was originated.
65 LoanOriginationQuarter The quarter in which the loan was originated.
66 MemberKey The unique key that is associated with the borrower. This is the same identifier that is used in the API member object.
67 MonthlyLoanPayment The scheduled monthly loan payment.
68 LP_CustomerPayments Pre charge-off cumulative gross payments made by the borrower on the loan. If the loan has charged off, this value will exclude any recoveries.
69 LP_CustomerPrincipalPayments Pre charge-off cumulative principal payments made by the borrower on the loan. If the loan has charged off, this value will exclude any recoveries.
70 LP_InterestandFees Pre charge-off cumulative interest and fees paid by the borrower. If the loan has charged off, this value will exclude any recoveries.
71 LP_ServiceFees Cumulative service fees paid by the investors who have invested in the loan.
72 LP_CollectionFees Cumulative collection fees paid by the investors who have invested in the loan.
73 LP_GrossPrincipalLoss The gross charged off amount of the loan.
74 LP_NetPrincipalLoss The principal that remains uncollected after any recoveries.
75 LP_NonPrincipalRecoverypayments The interest and fee component of any recovery payments. The current payment policy applies payments in the following order: Fees, interest, principal.
76 PercentFunded Percent the listing was funded.
77 Recommendations Number of recommendations the borrower had at the time the listing was created.
78 InvestmentFromFriendsCount Number of friends that made an investment in the loan.
79 InvestmentFromFriendsAmount Dollar amount of investments that were made by friends.
80 Investors The number of investors that funded the loan.
In [5]:
#Copy the dataset, and only select those columns that will be used

cols = ['Term', 'LoanStatus', 'BorrowerAPR', 'BorrowerRate', 'ListingCategory', 'EmploymentStatus'
          , 'IsBorrowerHomeowner', 'CreditScoreRangeLower', 'CreditScoreRangeUpper', 'DebtToIncomeRatioff', 
           'StatedMonthlyIncome', 'PercentFunded', 'Recommendations', 'InvestmentFromFriendsCount', 'ProsperScore']
df_sub = df.copy()
df_sub = df_sub.loc[:, df.columns.isin(cols)]
In [6]:
df_sub
Out[6]:
Term LoanStatus BorrowerAPR BorrowerRate ProsperScore EmploymentStatus IsBorrowerHomeowner CreditScoreRangeLower CreditScoreRangeUpper StatedMonthlyIncome PercentFunded Recommendations InvestmentFromFriendsCount
0 36 Completed 0.16516 0.1580 NaN Self-employed True 640.0 659.0 3083.333333 1.0000 0 0
1 36 Current 0.12016 0.0920 7.0 Employed False 680.0 699.0 6125.000000 1.0000 0 0
2 36 Completed 0.28269 0.2750 NaN Not available False 480.0 499.0 2083.333333 1.0000 0 0
3 36 Current 0.12528 0.0974 9.0 Employed True 800.0 819.0 2875.000000 1.0000 0 0
4 36 Current 0.24614 0.2085 4.0 Employed True 680.0 699.0 9583.333333 1.0000 0 0
5 60 Current 0.15425 0.1314 10.0 Employed True 740.0 759.0 8333.333333 1.0000 0 0
6 36 Current 0.31032 0.2712 2.0 Employed False 680.0 699.0 2083.333333 1.0000 0 0
7 36 Current 0.23939 0.2019 4.0 Employed False 700.0 719.0 3355.750000 1.0000 0 0
8 36 Current 0.07620 0.0629 9.0 Employed True 820.0 839.0 3333.333333 1.0000 0 0
9 36 Current 0.07620 0.0629 11.0 Employed True 820.0 839.0 3333.333333 1.0000 0 0
10 60 Current 0.27462 0.2489 7.0 Employed False 640.0 659.0 7500.000000 1.0000 0 0
11 36 Completed 0.15033 0.1325 NaN Full-time False 640.0 659.0 1666.666667 1.0000 0 0
12 36 Past Due (1-15 days) 0.17969 0.1435 4.0 Employed False 680.0 699.0 2416.666667 1.0000 0 0
13 36 Current 0.13138 0.1034 8.0 Employed True 740.0 759.0 5833.333333 1.0000 0 0
14 60 Current 0.11695 0.0949 8.0 Employed False 740.0 759.0 10833.333333 0.7731 0 0
15 36 Defaulted 0.35797 0.3177 5.0 Other True 700.0 719.0 5500.000000 1.0000 0 0
16 60 Current 0.30748 0.2809 4.0 Full-time True 640.0 659.0 8291.666667 1.0000 0 0
17 36 Chargedoff 0.13202 0.1250 NaN Not available True 760.0 779.0 5833.333333 1.0000 0 0
18 36 Current 0.12528 0.0974 7.0 Employed False 740.0 759.0 6250.000000 1.0000 0 0
19 60 Current 0.24754 0.2225 8.0 Employed False 680.0 699.0 3075.000000 1.0000 0 0
20 36 Current 0.16732 0.1314 7.0 Employed True 660.0 679.0 5166.666667 1.0000 0 0
21 36 Completed 0.21488 0.2075 NaN Full-time False 620.0 639.0 3750.000000 1.0000 0 0
22 36 Current 0.35356 0.3134 2.0 Other False 700.0 719.0 118.333333 1.0000 0 0
23 36 Defaulted 0.28032 0.2419 5.0 Employed False 680.0 699.0 2500.000000 1.0000 0 0
24 36 Current 0.19859 0.1620 5.0 Employed True 660.0 679.0 2333.333333 1.0000 0 0
25 36 Current 0.30182 0.2629 3.0 Employed False 680.0 699.0 6974.000000 1.0000 0 0
26 60 Completed 0.30748 0.2809 3.0 Employed False 660.0 679.0 3885.916667 1.0000 0 0
27 36 Completed 0.11296 0.0920 9.0 Full-time True 700.0 719.0 6666.666667 1.0000 0 0
28 36 Current 0.20268 0.1660 4.0 Employed True 720.0 739.0 3600.000000 1.0000 0 0
29 36 Current 0.15223 0.1239 6.0 Employed True 740.0 759.0 10416.666667 1.0000 0 0
30 36 Completed 0.12782 0.0999 9.0 Employed False 740.0 759.0 3750.000000 1.0000 0 0
31 36 Current 0.35797 0.3177 5.0 Other False 680.0 699.0 2250.000000 1.0000 0 0
32 36 Current 0.16324 0.1274 8.0 Employed True 660.0 679.0 7000.000000 1.0000 0 0
33 36 Completed 0.08191 0.0785 10.0 Employed False 760.0 779.0 13083.333333 1.0000 0 0
34 36 Current 0.22966 0.1920 5.0 Other True 640.0 659.0 4058.333333 1.0000 0 0
35 36 Current 0.19108 0.1621 8.0 Employed False 700.0 719.0 3833.333333 1.0000 0 0
36 36 Current 0.32446 0.2850 2.0 Employed True 680.0 699.0 8750.000000 1.0000 0 0
37 36 Current 0.28544 0.2469 6.0 Employed True 640.0 659.0 3333.333333 1.0000 0 0
38 36 Current 0.08930 0.0759 9.0 Other True 800.0 819.0 6000.000000 1.0000 0 0
39 36 Completed 0.15211 0.1450 NaN NaN False 680.0 699.0 9583.333333 1.0000 0 0
40 60 Current 0.19630 0.1725 4.0 Self-employed False 680.0 699.0 12750.000000 1.0000 0 0
41 60 Current 0.23318 0.2085 8.0 Employed True 700.0 719.0 9000.000000 1.0000 0 0
42 36 Chargedoff 0.30300 0.2900 NaN Not available False 520.0 539.0 416.666667 1.0000 0 0
43 36 Current 0.21290 0.1760 6.0 Employed False 640.0 659.0 4333.333333 1.0000 0 0
44 36 Current 0.21025 0.1734 5.0 Employed True 720.0 739.0 8916.666667 1.0000 0 0
45 60 Current 0.13227 0.1099 7.0 Employed True 740.0 759.0 16000.000000 1.0000 0 0
46 36 Completed 0.17170 0.1500 NaN Full-time False 660.0 679.0 3166.666667 1.0000 2 1
47 36 Current 0.15833 0.1299 8.0 Employed True 680.0 699.0 5416.666667 1.0000 1 0
48 60 Current 0.17522 0.1519 6.0 Employed True 720.0 739.0 14583.333333 1.0000 0 0
49 60 Current 0.11695 0.0949 10.0 Employed True 780.0 799.0 7458.333333 1.0000 0 0
50 60 Current 0.23984 0.2150 5.0 Employed True 640.0 659.0 7916.666667 1.0000 0 0
51 36 Current 0.20200 0.1799 8.0 Employed True 640.0 659.0 4853.333333 1.0000 0 0
52 36 Current 0.14348 0.1153 6.0 Employed True 720.0 739.0 8166.666667 1.0000 0 0
53 36 Current 0.31032 0.2712 4.0 Employed False 640.0 659.0 4056.000000 1.0000 0 0
54 60 Current 0.20931 0.1852 5.0 Employed True 720.0 739.0 10000.000000 1.0000 0 0
55 36 Current 0.17601 0.1399 7.0 Employed False 660.0 679.0 3416.666667 1.0000 0 0
56 36 Current 0.22415 0.1870 4.0 Employed False 680.0 699.0 4734.333333 1.0000 0 0
57 36 Chargedoff 0.29394 0.2552 5.0 Employed True 720.0 739.0 9166.666667 1.0000 0 0
58 60 Current 0.17522 0.1519 6.0 Employed False 720.0 739.0 4666.666667 1.0000 0 0
59 36 Completed 0.16717 0.1600 NaN Full-time False 640.0 659.0 2750.000000 1.0000 0 0
60 60 Current 0.19323 0.1695 7.0 Employed True 700.0 719.0 7500.000000 1.0000 0 0
61 36 Current 0.16324 0.1274 8.0 Employed True 660.0 679.0 7108.333333 1.0000 0 0
62 36 Chargedoff 0.23748 0.2300 NaN Full-time False 600.0 619.0 3891.666667 1.0000 0 0
63 36 Completed 0.29776 0.2900 NaN Not available True 620.0 639.0 7500.000000 1.0000 0 0
64 36 Current 0.30899 0.2699 4.0 Employed True 680.0 699.0 3166.666667 1.0000 0 0
65 36 Current 0.19744 0.1605 4.0 Other True 660.0 679.0 4666.666667 1.0000 0 0
66 36 Completed 0.16802 0.1500 NaN Not employed False 620.0 639.0 860.000000 1.0000 0 0
67 12 Completed 0.35843 0.2669 3.0 Employed False 600.0 619.0 4777.000000 1.0000 0 0
68 36 Completed 0.21554 0.1970 NaN Full-time True 580.0 599.0 2750.000000 1.0000 0 0
69 60 Current 0.13636 0.1139 11.0 Self-employed True 700.0 719.0 2700.000000 1.0000 0 0
70 36 Current 0.24246 0.2049 6.0 Employed False 640.0 659.0 4500.000000 1.0000 0 0
71 36 Current 0.35797 0.3177 4.0 Employed True 760.0 779.0 2916.666667 0.9247 0 0
72 36 Completed 0.29510 0.2599 6.0 Employed False 660.0 679.0 8333.333333 1.0000 0 0
73 36 Current 0.26528 0.2272 3.0 Employed True 700.0 719.0 6000.000000 1.0000 0 0
74 36 Chargedoff 0.35643 0.3199 5.0 Employed True 680.0 699.0 5314.250000 1.0000 0 0
75 36 Chargedoff 0.32538 0.2859 2.0 Employed False 660.0 679.0 4750.000000 1.0000 0 0
76 36 Completed 0.25861 0.2500 NaN Not available True 540.0 559.0 8583.333333 1.0000 0 0
77 36 Completed 0.13109 0.1099 8.0 Full-time True 760.0 779.0 6466.666667 1.0000 0 0
78 36 Chargedoff 0.18454 0.1700 NaN Full-time True 720.0 739.0 0.000000 1.0000 0 0
79 36 Current 0.24246 0.2049 5.0 Employed False 740.0 759.0 7500.000000 1.0000 0 0
80 36 Current 0.27776 0.2394 4.0 Employed False 640.0 659.0 1061.500000 1.0000 0 0
81 60 Current 0.12216 0.1000 10.0 Employed False 780.0 799.0 10000.000000 1.0000 0 0
82 36 Past Due (16-30 days) 0.33286 0.2932 2.0 Employed False 600.0 619.0 4166.666667 1.0000 0 0
83 36 Chargedoff 0.33553 0.2958 6.0 Employed False 660.0 679.0 3250.000000 1.0000 0 0
84 60 Current 0.22283 0.1984 5.0 Employed True 760.0 779.0 5083.333333 1.0000 0 0
85 60 Current 0.21166 0.1875 4.0 Employed True 660.0 679.0 2916.666667 1.0000 0 0
86 36 Current 0.22773 0.1905 4.0 Employed True 640.0 659.0 5416.666667 1.0000 0 0
87 36 Completed 0.33973 0.2999 3.0 Employed True 640.0 659.0 3333.333333 1.0000 0 0
88 36 Completed 0.35643 0.3199 3.0 Employed True 700.0 719.0 6250.000000 1.0000 0 0
89 36 Current 0.21372 0.1768 8.0 Employed False 660.0 679.0 7083.333333 1.0000 0 0
90 36 Completed 0.19178 0.1845 NaN Not available True 600.0 619.0 1833.333333 1.0000 0 0
91 36 Completed 0.35858 0.3220 5.0 Employed False 700.0 719.0 2250.000000 1.0000 0 0
92 36 Completed 0.08292 0.0755 NaN NaN True 820.0 839.0 10833.333333 1.0000 0 0
93 60 Chargedoff 0.27462 0.2489 7.0 Employed True 680.0 699.0 5416.666667 1.0000 0 0
94 36 Current 0.35797 0.3177 3.0 Employed True 700.0 719.0 5196.250000 1.0000 0 0
95 36 Current 0.12691 0.0990 8.0 Employed True 680.0 699.0 14833.333333 1.0000 0 0
96 60 Current 0.23718 0.2124 8.0 Employed False 720.0 739.0 2583.333333 1.0000 0 0
97 36 Current 0.23121 0.1939 6.0 Employed False 640.0 659.0 1500.000000 1.0000 0 0
98 36 Current 0.17151 0.1355 9.0 Employed True 640.0 659.0 6000.000000 1.0000 0 0
99 60 Current 0.10878 0.0869 10.0 Other False 800.0 819.0 3750.000000 1.0000 0 0
100 36 Chargedoff 0.35356 0.3134 3.0 Not employed False 720.0 739.0 0.000000 1.0000 0 0
101 36 Chargedoff 0.20421 0.1895 NaN Full-time True 560.0 579.0 7416.666667 1.0000 1 0
102 36 Completed 0.15529 0.1338 9.0 Full-time True 720.0 739.0 15000.000000 1.0000 0 0
103 36 Chargedoff 0.26681 0.2287 2.0 Self-employed True 680.0 699.0 5000.000000 1.0000 0 0
104 36 Current 0.19859 0.1620 5.0 Employed False 660.0 679.0 4916.666667 1.0000 0 0
105 36 Chargedoff 0.30532 0.2699 6.0 Employed False 640.0 659.0 2666.666667 1.0000 0 0
106 36 Current 0.19088 0.1619 6.0 Employed False 660.0 679.0 4699.000000 1.0000 0 0
107 36 Defaulted 0.35797 0.3177 2.0 Employed False 720.0 739.0 2833.333333 1.0000 0 0
108 36 Completed 0.28320 0.2600 NaN Full-time False 640.0 659.0 0.000000 1.0000 0 0
109 36 Completed 0.14476 0.1234 9.0 Full-time True 660.0 679.0 5833.333333 1.0000 0 0
110 36 Completed 0.34631 0.3100 5.0 Full-time True 640.0 659.0 4666.666667 1.0000 0 0
111 36 Current 0.28370 0.2452 6.0 Employed True 700.0 719.0 3000.000000 1.0000 0 0
112 36 Chargedoff 0.35797 0.3177 3.0 Employed True 740.0 759.0 2583.333333 1.0000 0 0
113 36 Completed 0.30564 0.2900 NaN Self-employed False 520.0 539.0 4166.666667 1.0000 1 0
114 36 Completed 0.16727 0.1601 NaN Full-time True 660.0 679.0 7083.333333 1.0000 0 0
115 60 Current 0.22140 0.1970 6.0 Employed False 700.0 719.0 4490.833333 1.0000 0 0
116 60 Current 0.19988 0.1760 6.0 Employed True 700.0 719.0 7666.666667 1.0000 0 0
117 36 Completed 0.10235 0.0885 NaN Part-time False 740.0 759.0 2500.000000 1.0000 0 0
118 36 Current 0.17359 0.1449 8.0 Employed True 720.0 739.0 4583.333333 1.0000 0 0
119 36 Current 0.22108 0.1840 4.0 Employed False 720.0 739.0 6083.333333 1.0000 0 0
120 60 Current 0.18913 0.1655 3.0 Employed True 760.0 779.0 3208.500000 1.0000 0 0
121 36 Completed 0.15428 0.1400 NaN Full-time True 700.0 719.0 6250.000000 1.0000 0 0
122 36 Completed 0.08718 0.0700 NaN Not available False 720.0 739.0 1666.666667 1.0000 0 0
123 36 Completed 0.13223 0.1252 NaN Full-time False 780.0 799.0 2293.333333 1.0000 0 0
124 60 Current 0.20081 0.1769 6.0 Employed True 720.0 739.0 7916.666667 1.0000 0 0
125 36 Current 0.35643 0.3199 5.0 Not employed False 640.0 659.0 0.000000 1.0000 0 0
126 36 Current 0.13799 0.1099 10.0 Employed True 800.0 819.0 4333.333333 1.0000 0 0
127 36 Chargedoff 0.29743 0.2745 NaN Full-time False 520.0 539.0 2946.666667 1.0000 0 0
128 36 Defaulted 0.18824 0.1700 NaN Not available True 500.0 519.0 2916.666667 1.0000 0 0
129 36 Current 0.28032 0.2419 2.0 Employed False 660.0 679.0 3000.000000 1.0000 0 0
130 60 Completed 0.24754 0.2225 6.0 Employed True 660.0 679.0 4833.333333 1.0000 0 0
131 36 Completed 0.20623 0.1915 NaN Part-time False 740.0 759.0 833.333333 1.0000 0 0
132 36 Completed 0.13012 0.1240 NaN Full-time True 680.0 699.0 4161.916667 1.0000 0 0
133 60 Current 0.15936 0.1364 8.0 Employed False 740.0 759.0 2750.000000 1.0000 0 0
134 36 Current 0.28544 0.2469 4.0 Employed False 640.0 659.0 7083.333333 1.0000 0 0
135 36 Current 0.33215 0.2925 2.0 Employed False 640.0 659.0 4166.666667 1.0000 0 0
136 36 Completed 0.21679 0.1945 NaN Full-time False 660.0 679.0 3333.333333 1.0000 0 0
137 36 Current 0.21648 0.1795 4.0 Employed False 660.0 679.0 1416.666667 1.0000 0 0
138 36 Defaulted 0.33973 0.2999 3.0 Employed True 620.0 639.0 3750.000000 1.0000 0 0
139 36 Past Due (1-15 days) 0.33973 0.2999 3.0 Other False 600.0 619.0 1835.416667 1.0000 0 0
140 36 Completed 0.12198 0.1009 9.0 Full-time False 760.0 779.0 4833.333333 1.0000 1 0
141 60 Current 0.26877 0.2432 4.0 Employed False 640.0 659.0 4423.333333 1.0000 0 0
142 36 Chargedoff 0.15882 0.1445 NaN Full-time True 700.0 719.0 4750.000000 1.0000 0 0
143 60 Current 0.19630 0.1725 4.0 Employed True 680.0 699.0 6653.916667 1.0000 0 0
144 36 Current 0.28780 0.2492 7.0 Employed True 680.0 699.0 3750.000000 1.0000 0 0
145 36 Current 0.20053 0.1639 6.0 Employed True 720.0 739.0 9416.666667 1.0000 0 0
146 36 Completed 0.09939 0.0925 NaN NaN False 740.0 759.0 0.083333 1.0000 0 0
147 36 Completed 0.09191 0.0712 10.0 Full-time False 820.0 839.0 4169.333333 1.0000 0 0
148 36 Current 0.09434 0.0809 8.0 Employed True 700.0 719.0 10000.000000 1.0000 0 0
149 36 Current 0.28943 0.2504 2.0 Employed True 680.0 699.0 7166.666667 1.0000 0 0
150 36 Completed 0.08641 0.0830 NaN Full-time True 840.0 859.0 5833.333333 1.0000 0 0
151 60 Current 0.28324 0.2573 6.0 Employed True 720.0 739.0 6500.000000 1.0000 0 0
152 36 Current 0.24614 0.2085 3.0 Employed True 700.0 719.0 4583.333333 1.0000 0 0
153 60 Current 0.26333 0.2379 4.0 Employed True 660.0 679.0 6250.000000 1.0000 0 0
154 60 Current 0.21115 0.1870 3.0 Employed True 700.0 719.0 6500.000000 1.0000 0 0
155 60 Completed 0.20705 0.1830 7.0 Employed False 680.0 699.0 6333.333333 1.0000 0 0
156 36 Completed 0.18454 0.1700 NaN Full-time True 680.0 699.0 8500.000000 1.0000 0 0
157 36 Chargedoff 0.35797 0.3177 5.0 Employed True 680.0 699.0 2500.000000 1.0000 0 0
158 36 Current 0.09469 0.0809 11.0 Employed False 700.0 719.0 6666.666667 1.0000 0 0
159 36 Completed 0.23808 0.2155 8.0 Full-time False 700.0 719.0 3493.750000 1.0000 0 0
160 60 Current 0.16662 0.1435 6.0 Employed True 680.0 699.0 8458.333333 1.0000 0 0
161 36 Current 0.17151 0.1355 4.0 Other True 680.0 699.0 2429.166667 1.0000 0 0
162 36 Completed 0.08483 0.0780 NaN NaN False 760.0 779.0 7500.000000 1.0000 0 0
163 36 Current 0.09484 0.0814 8.0 Other True 800.0 819.0 4166.666667 1.0000 0 0
164 36 Completed 0.16436 0.1500 NaN Full-time False 520.0 539.0 4958.333333 1.0000 1 1
165 36 Completed 0.09643 0.0930 8.0 Full-time True 840.0 859.0 5250.000000 1.0000 0 0
166 36 Current 0.35356 0.3134 2.0 Employed True 640.0 659.0 4800.000000 1.0000 0 0
167 60 Current 0.20347 0.1795 4.0 Employed True 720.0 739.0 6666.666667 1.0000 0 0
168 36 Current 0.21290 0.1760 7.0 Employed False 660.0 679.0 10000.000000 1.0000 0 0
169 36 Current 0.13734 0.1089 6.0 Employed True 700.0 719.0 7220.583333 1.0000 0 0
170 36 Completed 0.28851 0.2499 5.0 Not employed True 760.0 779.0 0.000000 1.0000 0 0
171 36 Completed 0.11296 0.0920 9.0 Full-time True 760.0 779.0 5586.500000 1.0000 0 0
172 36 Chargedoff 0.24753 0.2400 NaN Not available False 580.0 599.0 5833.333333 1.0000 0 0
173 36 Completed 0.10642 0.0995 NaN Full-time True 780.0 799.0 3616.083333 1.0000 0 0
174 36 Current 0.09988 0.0864 10.0 Employed False 720.0 739.0 7083.333333 1.0000 0 0
175 60 Current 0.21832 0.1940 4.0 Employed True 660.0 679.0 5416.666667 1.0000 0 0
176 36 Current 0.32446 0.2850 3.0 Employed False 640.0 659.0 6250.000000 1.0000 0 0
177 36 Current 0.18316 0.1469 6.0 Employed True 700.0 719.0 6250.000000 1.0000 0 0
178 36 Completed 0.24856 0.2400 NaN Not available False 500.0 519.0 3333.333333 1.0000 0 0
179 36 Defaulted 0.34731 0.3073 1.0 Employed True 660.0 679.0 4583.333333 1.0000 0 0
180 36 Current 0.23438 0.1970 3.0 Employed False 680.0 699.0 2841.916667 1.0000 0 0
181 36 Current 0.33215 0.2925 3.0 Employed True 640.0 659.0 3333.333333 1.0000 0 0
182 36 Current 0.25259 0.2148 7.0 Employed True 680.0 699.0 5333.333333 1.0000 0 0
183 36 Current 0.13697 0.1089 8.0 Employed True 680.0 699.0 6000.000000 1.0000 0 0
184 36 Defaulted 0.26590 0.2500 NaN Not available False 480.0 499.0 200.000000 1.0000 0 0
185 36 Defaulted 0.27119 0.2365 6.0 Self-employed True 860.0 879.0 3333.333333 1.0000 0 0
186 36 Chargedoff 0.35797 0.3177 5.0 Not employed False 660.0 679.0 0.000000 1.0000 0 0
187 36 Current 0.20462 0.1679 4.0 Other True 700.0 719.0 4583.333333 1.0000 0 0
188 36 Completed 0.19835 0.1800 NaN Retired False 640.0 659.0 1000.000000 1.0000 0 0
189 60 Current 0.18197 0.1585 8.0 Employed True 680.0 699.0 9500.000000 1.0000 0 0
190 60 Current 0.19988 0.1760 6.0 Employed False 700.0 719.0 7666.666667 1.0000 0 0
191 36 Defaulted 0.30781 0.3000 NaN Not available False 600.0 619.0 3750.000000 1.0000 0 0
192 60 Current 0.29998 0.2736 4.0 Employed False 640.0 659.0 5833.333333 1.0000 0 0
193 36 Defaulted 0.23937 0.2300 NaN NaN False 540.0 559.0 2500.000000 1.0000 0 0
194 36 Completed 0.29510 0.2599 5.0 Employed False 720.0 739.0 4166.666667 1.0000 0 0
195 60 Current 0.20081 0.1769 5.0 Employed True 720.0 739.0 6666.666667 1.0000 0 0
196 60 Current 0.15752 0.1346 9.0 Employed True 840.0 859.0 33333.333333 1.0000 0 0
197 36 Completed 0.19108 0.1621 8.0 Employed False 660.0 679.0 2083.333333 1.0000 0 0
198 36 Completed 0.29265 0.2575 8.0 Employed False 660.0 679.0 10000.000000 1.0000 0 0
199 36 Current 0.11599 0.0879 10.0 Employed True 740.0 759.0 9583.333333 1.0000 0 0
200 36 Chargedoff 0.35643 0.3199 2.0 Employed False 740.0 759.0 5500.000000 1.0000 0 0
201 36 Completed 0.15713 0.1500 NaN Self-employed False 680.0 699.0 6666.666667 1.0000 0 0
202 36 Current 0.22712 0.1899 5.0 Employed False 700.0 719.0 3750.000000 1.0000 0 0
203 36 Current 0.12274 0.0949 8.0 Employed False 700.0 719.0 5833.333333 1.0000 0 0
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113798 60 Current 0.19681 0.1730 7.0 Employed False 700.0 719.0 5950.000000 1.0000 0 0
113799 36 Completed 0.17621 0.1690 NaN Full-time True 760.0 779.0 5600.000000 1.0000 0 0
113800 12 Completed 0.22357 0.1259 5.0 Employed False 700.0 719.0 6250.000000 1.0000 0 0
113801 36 Completed 0.08632 0.0749 NaN Full-time False 780.0 799.0 3958.333333 1.0000 0 0
113802 36 Completed 0.35797 0.3177 2.0 Employed False 620.0 639.0 3127.166667 1.0000 1 0
113803 36 Defaulted 0.11293 0.0990 NaN Self-employed True 680.0 699.0 0.000000 1.0000 0 0
113804 36 Completed 0.26140 0.2500 NaN Full-time False 600.0 619.0 13333.333333 1.0000 0 0
113805 36 Current 0.20626 0.1695 6.0 Employed False 660.0 679.0 4250.000000 1.0000 0 0
113806 36 Completed 0.20735 0.2000 NaN Full-time True 640.0 659.0 5250.000000 1.0000 0 0
113807 36 Current 0.19108 0.1621 8.0 Employed False 680.0 699.0 8166.666667 1.0000 0 0
113808 36 Chargedoff 0.35643 0.3199 5.0 Employed True 640.0 659.0 5000.000000 1.0000 0 0
113809 36 Defaulted 0.17193 0.1575 NaN Full-time True 680.0 699.0 4583.333333 1.0000 0 0
113810 60 Current 0.18426 0.1605 6.0 Employed False 700.0 719.0 5416.666667 1.0000 0 0
113811 60 Current 0.22601 0.2015 6.0 Employed True 660.0 679.0 4608.000000 1.0000 0 0
113812 36 Completed 0.15893 0.1500 NaN Full-time False 620.0 639.0 3398.083333 1.0000 0 0
113813 60 Current 0.28489 0.2589 3.0 Employed True 700.0 719.0 8166.666667 1.0000 0 0
113814 36 Defaulted 0.27535 0.2600 NaN Retired False 540.0 559.0 1793.000000 1.0000 0 0
113815 36 Current 0.19501 0.1585 8.0 Employed False 700.0 719.0 4500.000000 1.0000 0 0
113816 36 Current 0.31975 0.2800 3.0 Employed False 680.0 699.0 3333.333333 1.0000 0 0
113817 60 Current 0.21822 0.1939 8.0 Other True 760.0 779.0 3416.666667 1.0000 0 0
113818 36 Completed 0.08885 0.0820 NaN Full-time True 800.0 819.0 6166.666667 1.0000 0 0
113819 36 Completed 0.18123 0.1740 NaN Not available True 660.0 679.0 4583.333333 1.0000 0 0
113820 36 Current 0.19501 0.1585 4.0 Employed True 660.0 679.0 2500.000000 1.0000 0 0
113821 36 Current 0.21648 0.1795 6.0 Employed False 640.0 659.0 5216.666667 1.0000 0 0
113822 60 Current 0.25359 0.2284 3.0 Employed True 760.0 779.0 7483.333333 1.0000 0 0
113823 36 Defaulted 0.16941 0.1550 NaN Self-employed True 680.0 699.0 1808.333333 1.0000 0 0
113824 36 Current 0.11599 0.0879 10.0 Employed True 780.0 799.0 6666.666667 1.0000 0 0
113825 36 Completed 0.29776 0.2900 NaN Not available False 520.0 539.0 8833.333333 1.0000 0 0
113826 36 Completed 0.14709 0.1400 NaN Retired True 700.0 719.0 5000.000000 1.0000 0 0
113827 36 Current 0.32446 0.2850 2.0 Employed False 640.0 659.0 7416.666667 1.0000 0 0
113828 60 Current 0.27637 0.2506 3.0 Employed False 680.0 699.0 5083.333333 0.8266 0 0
113829 12 Completed 0.23554 0.1576 7.0 Employed False 640.0 659.0 15000.000000 1.0000 0 0
113830 36 Chargedoff 0.13915 0.1250 NaN Full-time True 740.0 759.0 7276.000000 1.0000 0 0
113831 36 Completed 0.35643 0.3199 5.0 Employed False 680.0 699.0 2250.000000 1.0000 0 0
113832 60 Current 0.23718 0.2124 8.0 Employed False 700.0 719.0 5833.333333 1.0000 0 0
113833 36 Chargedoff 0.24507 0.2300 NaN Full-time False 560.0 579.0 5900.583333 1.0000 0 0
113834 12 Completed 0.17969 0.1224 8.0 Employed True 700.0 719.0 7083.333333 1.0000 0 0
113835 36 Chargedoff 0.29926 0.2600 9.0 Full-time True 640.0 659.0 5833.333333 1.0000 0 0
113836 36 Completed 0.23794 0.2001 9.0 Self-employed True 640.0 659.0 10333.333333 1.0000 0 0
113837 36 Completed 0.17170 0.1500 9.0 Full-time True 720.0 739.0 5000.000000 1.0000 0 0
113838 60 Current 0.20679 0.1825 6.0 Employed True 660.0 679.0 5000.000000 1.0000 0 0
113839 36 Completed 0.09378 0.0800 NaN Full-time True 720.0 739.0 1363.416667 1.0000 0 0
113840 36 Defaulted 0.22674 0.2000 10.0 Full-time False 660.0 679.0 2000.000000 1.0000 0 0
113841 60 Current 0.19988 0.1760 6.0 Employed False 660.0 679.0 6250.000000 1.0000 0 0
113842 36 Completed 0.35898 0.2975 2.0 Full-time True 640.0 659.0 6250.000000 1.0000 0 0
113843 36 Completed 0.15629 0.1420 NaN Full-time False 700.0 719.0 3250.000000 1.0000 0 0
113844 36 Current 0.15833 0.1299 10.0 Employed False 720.0 739.0 4631.250000 1.0000 0 0
113845 36 Current 0.19501 0.1585 3.0 Employed True 720.0 739.0 4333.333333 1.0000 0 0
113846 36 Completed 0.35132 0.3149 4.0 Employed True 680.0 699.0 3750.000000 1.0000 0 0
113847 36 Defaulted 0.20735 0.2000 NaN Full-time True 740.0 759.0 9000.000000 1.0000 0 0
113848 36 Completed 0.30709 0.2875 NaN Not available False 0.0 19.0 833.333333 1.0000 0 0
113849 36 Current 0.19645 0.1599 6.0 Employed True 660.0 679.0 3000.000000 1.0000 0 0
113850 36 Current 0.14206 0.1139 6.0 Employed False 700.0 719.0 3333.333333 1.0000 0 0
113851 36 Current 0.35132 0.3149 4.0 Employed True 680.0 699.0 10416.666667 1.0000 0 0
113852 36 Completed 0.11345 0.1065 NaN Self-employed True 780.0 799.0 1958.333333 1.0000 0 0
113853 36 Completed 0.34770 0.3397 NaN Full-time False 620.0 639.0 3250.000000 1.0000 0 0
113854 36 Current 0.25781 0.2199 2.0 Employed False 680.0 699.0 3416.666667 1.0000 0 0
113855 36 Current 0.14751 0.1189 11.0 Full-time False 640.0 659.0 6666.666667 1.0000 0 0
113856 36 Current 0.28851 0.2499 6.0 Other True 680.0 699.0 2466.250000 1.0000 0 0
113857 36 Current 0.28974 0.2511 6.0 Self-employed False 720.0 739.0 8333.333333 1.0000 0 0
113858 60 Current 0.18852 0.1649 5.0 Employed False 720.0 739.0 7666.666667 1.0000 0 0
113859 36 Completed 0.23635 0.2138 NaN Full-time False 560.0 579.0 4333.333333 1.0000 0 0
113860 36 Current 0.13109 0.1099 8.0 Employed False 740.0 759.0 5966.666667 1.0000 0 0
113861 36 Current 0.25781 0.2199 7.0 Employed True 640.0 659.0 4416.666667 1.0000 0 0
113862 36 Current 0.21372 0.1768 8.0 Employed True 760.0 779.0 8000.000000 1.0000 0 0
113863 36 Current 0.12691 0.0990 6.0 Employed False 760.0 779.0 3333.333333 1.0000 0 0
113864 36 Completed 0.17069 0.1490 8.0 Employed True 820.0 839.0 5000.000000 1.0000 0 0
113865 60 Completed 0.27462 0.2489 7.0 Employed False 660.0 679.0 13333.333333 1.0000 0 0
113866 36 Completed 0.20504 0.1829 1.0 Self-employed False 640.0 659.0 14833.333333 1.0000 0 0
113867 60 Current 0.20808 0.1840 5.0 Employed False 660.0 679.0 3083.333333 1.0000 0 0
113868 36 Completed 0.33608 0.3000 8.0 Full-time True 680.0 699.0 8300.000000 1.0000 0 0
113869 60 Completed 0.24702 0.2220 4.0 Employed True 660.0 679.0 1666.666667 1.0000 0 0
113870 36 Current 0.23530 0.1979 5.0 Employed True 680.0 699.0 6500.000000 1.0000 0 0
113871 36 Current 0.25279 0.2150 4.0 Employed True 660.0 679.0 6266.666667 1.0000 0 0
113872 36 Completed 0.30503 0.2894 NaN Full-time False 540.0 559.0 3200.000000 1.0000 1 0
113873 36 Completed 0.35643 0.3199 5.0 Employed False 640.0 659.0 2708.333333 1.0000 0 0
113874 36 Current 0.31032 0.2712 4.0 Employed False 640.0 659.0 3430.583333 1.0000 0 0
113875 36 Past Due (61-90 days) 0.35132 0.3149 4.0 Employed True 720.0 739.0 4702.166667 1.0000 0 0
113876 60 Chargedoff 0.23718 0.2124 8.0 Other False 700.0 719.0 8666.666667 1.0000 0 0
113877 36 Current 0.12511 0.1040 9.0 Employed False 720.0 739.0 7000.000000 1.0000 0 0
113878 36 Completed 0.28320 0.2600 NaN Full-time True 660.0 679.0 6083.333333 1.0000 0 0
113879 36 Completed 0.12562 0.1045 NaN Full-time False 640.0 659.0 2608.250000 1.0000 0 0
113880 36 Completed 0.15462 0.1475 NaN Full-time False 660.0 679.0 3000.000000 1.0000 0 0
113881 60 Current 0.19681 0.1730 11.0 Employed True 660.0 679.0 8166.666667 1.0000 0 0
113882 36 Completed 0.07439 0.0710 10.0 Full-time True 720.0 739.0 3333.333333 1.0000 0 0
113883 36 Current 0.26917 0.2310 3.0 Employed False 660.0 679.0 4083.333333 1.0000 0 0
113884 60 Current 0.17532 0.1520 7.0 Employed True 700.0 719.0 4166.666667 1.0000 0 0
113885 36 Current 0.20462 0.1679 5.0 Employed False 740.0 759.0 4375.000000 1.0000 0 0
113886 36 Current 0.17601 0.1399 10.0 Employed False 660.0 679.0 3750.000000 1.0000 0 0
113887 60 Current 0.21156 0.1874 3.0 Employed True 700.0 719.0 12500.000000 1.0000 0 0
113888 36 Current 0.14853 0.1199 5.0 Employed False 760.0 779.0 1000.000000 1.0000 0 0
113889 12 Chargedoff 0.17969 0.1224 8.0 Employed False 700.0 719.0 8333.333333 1.0000 0 0
113890 36 Completed 0.15462 0.1475 NaN Full-time False 660.0 679.0 3333.333333 1.0000 0 0
113891 36 Completed 0.19543 0.1808 NaN Full-time False 580.0 599.0 3250.000000 1.0000 0 0
113892 36 Current 0.15223 0.1239 7.0 Employed False 640.0 659.0 10000.000000 1.0000 0 0
113893 36 Current 0.12081 0.0930 8.0 Self-employed True 740.0 759.0 5000.000000 1.0000 0 0
113894 36 Completed 0.07339 0.0700 10.0 Full-time True 800.0 819.0 7500.000000 1.0000 0 0
113895 60 Current 0.20398 0.1800 7.0 Employed True 660.0 679.0 7500.000000 1.0000 0 0
113896 36 Chargedoff 0.32327 0.2995 NaN Part-time False 520.0 539.0 1166.666667 1.0000 0 0
113897 36 Completed 0.12550 0.1185 NaN Full-time True 780.0 799.0 3716.666667 1.0000 1 1
113898 36 Completed 0.16005 0.1385 8.0 Part-time False 720.0 739.0 1539.166667 1.0000 0 0
113899 36 Completed 0.11296 0.0920 8.0 Full-time False 760.0 779.0 4166.666667 1.0000 0 0
113900 36 Current 0.16678 0.1305 6.0 Employed False 680.0 699.0 3466.666667 1.0000 0 0
113901 60 Current 0.15016 0.1274 8.0 Employed True 720.0 739.0 6000.000000 1.0000 0 0
113902 36 Completed 0.08805 0.0812 NaN NaN False NaN NaN 20833.333333 1.0000 0 0
113903 60 Current 0.18426 0.1605 4.0 Self-employed True 700.0 719.0 3833.333333 1.0000 0 0
113904 36 Chargedoff 0.24753 0.2400 NaN Full-time True 640.0 659.0 4166.666667 1.0000 0 0
113905 36 Chargedoff 0.35797 0.3177 2.0 Employed True 740.0 759.0 3250.000000 1.0000 0 0
113906 36 Completed 0.07479 0.0680 NaN Full-time True 780.0 799.0 5916.666667 1.0000 0 0
113907 36 Current 0.35356 0.3134 2.0 Employed False 640.0 659.0 2166.666667 1.0000 0 0
113908 36 Completed 0.35858 0.3220 5.0 Employed False 700.0 719.0 2833.333333 1.0000 0 0
113909 60 Current 0.27554 0.2498 7.0 Employed True 800.0 819.0 3333.333333 1.0000 0 0
113910 36 Current 0.32446 0.2850 2.0 Employed False 640.0 659.0 18756.000000 1.0000 0 0
113911 36 Current 0.25330 0.2155 3.0 Employed False 660.0 679.0 3333.333333 1.0000 0 0
113912 36 Current 0.06726 0.0605 11.0 Employed False 800.0 819.0 2500.000000 1.0000 0 0
113913 36 Completed 0.12410 0.1030 9.0 Full-time True 780.0 799.0 9750.000000 1.0000 0 0
113914 36 Defaulted 0.25757 0.2500 NaN NaN False 520.0 539.0 2400.000000 1.0000 0 0
113915 36 Completed 0.22237 0.2000 NaN Full-time True 620.0 639.0 4416.666667 1.0000 1 0
113916 36 Current 0.33286 0.2932 6.0 Employed False 660.0 679.0 4583.333333 1.0000 0 0
113917 36 Current 0.32446 0.2850 2.0 Employed False 660.0 679.0 1916.666667 1.0000 0 0
113918 36 Defaulted 0.12201 0.1080 NaN Full-time True 740.0 759.0 5583.333333 1.0000 0 0
113919 36 Current 0.27285 0.2346 3.0 Other True 680.0 699.0 2500.000000 1.0000 0 0
113920 36 Current 0.35356 0.3134 2.0 Employed True 740.0 759.0 5208.333333 1.0000 0 0
113921 36 Completed NaN 0.0400 NaN NaN False NaN NaN 12500.000000 1.0000 0 0
113922 36 Completed 0.15094 0.1295 NaN Full-time True 640.0 659.0 5250.000000 1.0000 0 0
113923 36 Completed 0.22378 0.2089 NaN Full-time True 700.0 719.0 3966.666667 1.0000 0 0
113924 60 Current 0.17317 0.1499 8.0 Employed False 640.0 659.0 3208.333333 1.0000 1 0
113925 36 Current 0.31032 0.2712 2.0 Employed False 680.0 699.0 2333.333333 1.0000 0 0
113926 36 Defaulted 0.29776 0.2900 NaN Not available False 540.0 559.0 5416.666667 1.0000 0 0
113927 36 Completed 0.07469 0.0679 NaN Full-time True 760.0 779.0 10333.333333 1.0000 2 0
113928 36 Completed 0.22362 0.1899 6.0 Full-time False 740.0 759.0 2333.333333 1.0000 0 0
113929 36 Completed 0.30285 0.2639 3.0 Employed False 660.0 679.0 4333.333333 1.0000 0 0
113930 36 Current 0.20053 0.1639 6.0 Employed True 680.0 699.0 6250.000000 1.0000 0 0
113931 60 Current 0.15016 0.1274 6.0 Employed False 800.0 819.0 8146.666667 1.0000 0 0
113932 36 Current 0.22354 0.1864 5.0 Employed True 700.0 719.0 4333.333333 1.0000 0 0
113933 36 FinalPaymentInProgress 0.13220 0.1110 8.0 Employed True 700.0 719.0 8041.666667 1.0000 0 0
113934 60 Current 0.23984 0.2150 3.0 Employed True 700.0 719.0 2875.000000 1.0000 0 0
113935 60 Completed 0.28408 0.2605 5.0 Full-time True 680.0 699.0 3875.000000 1.0000 0 0
113936 36 Current 0.13189 0.1039 7.0 Employed False 680.0 699.0 4583.333333 1.0000 0 0

113937 rows × 13 columns

Out[6]:
Term LoanStatus BorrowerAPR BorrowerRate ProsperScore EmploymentStatus IsBorrowerHomeowner CreditScoreRangeLower CreditScoreRangeUpper StatedMonthlyIncome PercentFunded Recommendations InvestmentFromFriendsCount
0 36 Completed 0.16516 0.1580 NaN Self-employed True 640.0 659.0 3083.333333 1.0000 0 0
1 36 Current 0.12016 0.0920 7.0 Employed False 680.0 699.0 6125.000000 1.0000 0 0
2 36 Completed 0.28269 0.2750 NaN Not available False 480.0 499.0 2083.333333 1.0000 0 0
3 36 Current 0.12528 0.0974 9.0 Employed True 800.0 819.0 2875.000000 1.0000 0 0
4 36 Current 0.24614 0.2085 4.0 Employed True 680.0 699.0 9583.333333 1.0000 0 0
5 60 Current 0.15425 0.1314 10.0 Employed True 740.0 759.0 8333.333333 1.0000 0 0
6 36 Current 0.31032 0.2712 2.0 Employed False 680.0 699.0 2083.333333 1.0000 0 0
7 36 Current 0.23939 0.2019 4.0 Employed False 700.0 719.0 3355.750000 1.0000 0 0
8 36 Current 0.07620 0.0629 9.0 Employed True 820.0 839.0 3333.333333 1.0000 0 0
9 36 Current 0.07620 0.0629 11.0 Employed True 820.0 839.0 3333.333333 1.0000 0 0
10 60 Current 0.27462 0.2489 7.0 Employed False 640.0 659.0 7500.000000 1.0000 0 0
11 36 Completed 0.15033 0.1325 NaN Full-time False 640.0 659.0 1666.666667 1.0000 0 0
12 36 Past Due (1-15 days) 0.17969 0.1435 4.0 Employed False 680.0 699.0 2416.666667 1.0000 0 0
13 36 Current 0.13138 0.1034 8.0 Employed True 740.0 759.0 5833.333333 1.0000 0 0
14 60 Current 0.11695 0.0949 8.0 Employed False 740.0 759.0 10833.333333 0.7731 0 0
15 36 Defaulted 0.35797 0.3177 5.0 Other True 700.0 719.0 5500.000000 1.0000 0 0
16 60 Current 0.30748 0.2809 4.0 Full-time True 640.0 659.0 8291.666667 1.0000 0 0
17 36 Chargedoff 0.13202 0.1250 NaN Not available True 760.0 779.0 5833.333333 1.0000 0 0
18 36 Current 0.12528 0.0974 7.0 Employed False 740.0 759.0 6250.000000 1.0000 0 0
19 60 Current 0.24754 0.2225 8.0 Employed False 680.0 699.0 3075.000000 1.0000 0 0
20 36 Current 0.16732 0.1314 7.0 Employed True 660.0 679.0 5166.666667 1.0000 0 0
21 36 Completed 0.21488 0.2075 NaN Full-time False 620.0 639.0 3750.000000 1.0000 0 0
22 36 Current 0.35356 0.3134 2.0 Other False 700.0 719.0 118.333333 1.0000 0 0
23 36 Defaulted 0.28032 0.2419 5.0 Employed False 680.0 699.0 2500.000000 1.0000 0 0
24 36 Current 0.19859 0.1620 5.0 Employed True 660.0 679.0 2333.333333 1.0000 0 0
25 36 Current 0.30182 0.2629 3.0 Employed False 680.0 699.0 6974.000000 1.0000 0 0
26 60 Completed 0.30748 0.2809 3.0 Employed False 660.0 679.0 3885.916667 1.0000 0 0
27 36 Completed 0.11296 0.0920 9.0 Full-time True 700.0 719.0 6666.666667 1.0000 0 0
28 36 Current 0.20268 0.1660 4.0 Employed True 720.0 739.0 3600.000000 1.0000 0 0
29 36 Current 0.15223 0.1239 6.0 Employed True 740.0 759.0 10416.666667 1.0000 0 0
30 36 Completed 0.12782 0.0999 9.0 Employed False 740.0 759.0 3750.000000 1.0000 0 0
31 36 Current 0.35797 0.3177 5.0 Other False 680.0 699.0 2250.000000 1.0000 0 0
32 36 Current 0.16324 0.1274 8.0 Employed True 660.0 679.0 7000.000000 1.0000 0 0
33 36 Completed 0.08191 0.0785 10.0 Employed False 760.0 779.0 13083.333333 1.0000 0 0
34 36 Current 0.22966 0.1920 5.0 Other True 640.0 659.0 4058.333333 1.0000 0 0
35 36 Current 0.19108 0.1621 8.0 Employed False 700.0 719.0 3833.333333 1.0000 0 0
36 36 Current 0.32446 0.2850 2.0 Employed True 680.0 699.0 8750.000000 1.0000 0 0
37 36 Current 0.28544 0.2469 6.0 Employed True 640.0 659.0 3333.333333 1.0000 0 0
38 36 Current 0.08930 0.0759 9.0 Other True 800.0 819.0 6000.000000 1.0000 0 0
39 36 Completed 0.15211 0.1450 NaN NaN False 680.0 699.0 9583.333333 1.0000 0 0
40 60 Current 0.19630 0.1725 4.0 Self-employed False 680.0 699.0 12750.000000 1.0000 0 0
41 60 Current 0.23318 0.2085 8.0 Employed True 700.0 719.0 9000.000000 1.0000 0 0
42 36 Chargedoff 0.30300 0.2900 NaN Not available False 520.0 539.0 416.666667 1.0000 0 0
43 36 Current 0.21290 0.1760 6.0 Employed False 640.0 659.0 4333.333333 1.0000 0 0
44 36 Current 0.21025 0.1734 5.0 Employed True 720.0 739.0 8916.666667 1.0000 0 0
45 60 Current 0.13227 0.1099 7.0 Employed True 740.0 759.0 16000.000000 1.0000 0 0
46 36 Completed 0.17170 0.1500 NaN Full-time False 660.0 679.0 3166.666667 1.0000 2 1
47 36 Current 0.15833 0.1299 8.0 Employed True 680.0 699.0 5416.666667 1.0000 1 0
48 60 Current 0.17522 0.1519 6.0 Employed True 720.0 739.0 14583.333333 1.0000 0 0
49 60 Current 0.11695 0.0949 10.0 Employed True 780.0 799.0 7458.333333 1.0000 0 0
50 60 Current 0.23984 0.2150 5.0 Employed True 640.0 659.0 7916.666667 1.0000 0 0
51 36 Current 0.20200 0.1799 8.0 Employed True 640.0 659.0 4853.333333 1.0000 0 0
52 36 Current 0.14348 0.1153 6.0 Employed True 720.0 739.0 8166.666667 1.0000 0 0
53 36 Current 0.31032 0.2712 4.0 Employed False 640.0 659.0 4056.000000 1.0000 0 0
54 60 Current 0.20931 0.1852 5.0 Employed True 720.0 739.0 10000.000000 1.0000 0 0
55 36 Current 0.17601 0.1399 7.0 Employed False 660.0 679.0 3416.666667 1.0000 0 0
56 36 Current 0.22415 0.1870 4.0 Employed False 680.0 699.0 4734.333333 1.0000 0 0
57 36 Chargedoff 0.29394 0.2552 5.0 Employed True 720.0 739.0 9166.666667 1.0000 0 0
58 60 Current 0.17522 0.1519 6.0 Employed False 720.0 739.0 4666.666667 1.0000 0 0
59 36 Completed 0.16717 0.1600 NaN Full-time False 640.0 659.0 2750.000000 1.0000 0 0
60 60 Current 0.19323 0.1695 7.0 Employed True 700.0 719.0 7500.000000 1.0000 0 0
61 36 Current 0.16324 0.1274 8.0 Employed True 660.0 679.0 7108.333333 1.0000 0 0
62 36 Chargedoff 0.23748 0.2300 NaN Full-time False 600.0 619.0 3891.666667 1.0000 0 0
63 36 Completed 0.29776 0.2900 NaN Not available True 620.0 639.0 7500.000000 1.0000 0 0
64 36 Current 0.30899 0.2699 4.0 Employed True 680.0 699.0 3166.666667 1.0000 0 0
65 36 Current 0.19744 0.1605 4.0 Other True 660.0 679.0 4666.666667 1.0000 0 0
66 36 Completed 0.16802 0.1500 NaN Not employed False 620.0 639.0 860.000000 1.0000 0 0
67 12 Completed 0.35843 0.2669 3.0 Employed False 600.0 619.0 4777.000000 1.0000 0 0
68 36 Completed 0.21554 0.1970 NaN Full-time True 580.0 599.0 2750.000000 1.0000 0 0
69 60 Current 0.13636 0.1139 11.0 Self-employed True 700.0 719.0 2700.000000 1.0000 0 0
70 36 Current 0.24246 0.2049 6.0 Employed False 640.0 659.0 4500.000000 1.0000 0 0
71 36 Current 0.35797 0.3177 4.0 Employed True 760.0 779.0 2916.666667 0.9247 0 0
72 36 Completed 0.29510 0.2599 6.0 Employed False 660.0 679.0 8333.333333 1.0000 0 0
73 36 Current 0.26528 0.2272 3.0 Employed True 700.0 719.0 6000.000000 1.0000 0 0
74 36 Chargedoff 0.35643 0.3199 5.0 Employed True 680.0 699.0 5314.250000 1.0000 0 0
75 36 Chargedoff 0.32538 0.2859 2.0 Employed False 660.0 679.0 4750.000000 1.0000 0 0
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113892 36 Current 0.15223 0.1239 7.0 Employed False 640.0 659.0 10000.000000 1.0000 0 0
113893 36 Current 0.12081 0.0930 8.0 Self-employed True 740.0 759.0 5000.000000 1.0000 0 0
113894 36 Completed 0.07339 0.0700 10.0 Full-time True 800.0 819.0 7500.000000 1.0000 0 0
113895 60 Current 0.20398 0.1800 7.0 Employed True 660.0 679.0 7500.000000 1.0000 0 0
113896 36 Chargedoff 0.32327 0.2995 NaN Part-time False 520.0 539.0 1166.666667 1.0000 0 0
113897 36 Completed 0.12550 0.1185 NaN Full-time True 780.0 799.0 3716.666667 1.0000 1 1
113898 36 Completed 0.16005 0.1385 8.0 Part-time False 720.0 739.0 1539.166667 1.0000 0 0
113899 36 Completed 0.11296 0.0920 8.0 Full-time False 760.0 779.0 4166.666667 1.0000 0 0
113900 36 Current 0.16678 0.1305 6.0 Employed False 680.0 699.0 3466.666667 1.0000 0 0
113901 60 Current 0.15016 0.1274 8.0 Employed True 720.0 739.0 6000.000000 1.0000 0 0
113902 36 Completed 0.08805 0.0812 NaN NaN False NaN NaN 20833.333333 1.0000 0 0
113903 60 Current 0.18426 0.1605 4.0 Self-employed True 700.0 719.0 3833.333333 1.0000 0 0
113904 36 Chargedoff 0.24753 0.2400 NaN Full-time True 640.0 659.0 4166.666667 1.0000 0 0
113905 36 Chargedoff 0.35797 0.3177 2.0 Employed True 740.0 759.0 3250.000000 1.0000 0 0
113906 36 Completed 0.07479 0.0680 NaN Full-time True 780.0 799.0 5916.666667 1.0000 0 0
113907 36 Current 0.35356 0.3134 2.0 Employed False 640.0 659.0 2166.666667 1.0000 0 0
113908 36 Completed 0.35858 0.3220 5.0 Employed False 700.0 719.0 2833.333333 1.0000 0 0
113909 60 Current 0.27554 0.2498 7.0 Employed True 800.0 819.0 3333.333333 1.0000 0 0
113910 36 Current 0.32446 0.2850 2.0 Employed False 640.0 659.0 18756.000000 1.0000 0 0
113911 36 Current 0.25330 0.2155 3.0 Employed False 660.0 679.0 3333.333333 1.0000 0 0
113912 36 Current 0.06726 0.0605 11.0 Employed False 800.0 819.0 2500.000000 1.0000 0 0
113913 36 Completed 0.12410 0.1030 9.0 Full-time True 780.0 799.0 9750.000000 1.0000 0 0
113914 36 Defaulted 0.25757 0.2500 NaN NaN False 520.0 539.0 2400.000000 1.0000 0 0
113915 36 Completed 0.22237 0.2000 NaN Full-time True 620.0 639.0 4416.666667 1.0000 1 0
113916 36 Current 0.33286 0.2932 6.0 Employed False 660.0 679.0 4583.333333 1.0000 0 0
113917 36 Current 0.32446 0.2850 2.0 Employed False 660.0 679.0 1916.666667 1.0000 0 0
113918 36 Defaulted 0.12201 0.1080 NaN Full-time True 740.0 759.0 5583.333333 1.0000 0 0
113919 36 Current 0.27285 0.2346 3.0 Other True 680.0 699.0 2500.000000 1.0000 0 0
113920 36 Current 0.35356 0.3134 2.0 Employed True 740.0 759.0 5208.333333 1.0000 0 0
113921 36 Completed NaN 0.0400 NaN NaN False NaN NaN 12500.000000 1.0000 0 0
113922 36 Completed 0.15094 0.1295 NaN Full-time True 640.0 659.0 5250.000000 1.0000 0 0
113923 36 Completed 0.22378 0.2089 NaN Full-time True 700.0 719.0 3966.666667 1.0000 0 0
113924 60 Current 0.17317 0.1499 8.0 Employed False 640.0 659.0 3208.333333 1.0000 1 0
113925 36 Current 0.31032 0.2712 2.0 Employed False 680.0 699.0 2333.333333 1.0000 0 0
113926 36 Defaulted 0.29776 0.2900 NaN Not available False 540.0 559.0 5416.666667 1.0000 0 0
113927 36 Completed 0.07469 0.0679 NaN Full-time True 760.0 779.0 10333.333333 1.0000 2 0
113928 36 Completed 0.22362 0.1899 6.0 Full-time False 740.0 759.0 2333.333333 1.0000 0 0
113929 36 Completed 0.30285 0.2639 3.0 Employed False 660.0 679.0 4333.333333 1.0000 0 0
113930 36 Current 0.20053 0.1639 6.0 Employed True 680.0 699.0 6250.000000 1.0000 0 0
113931 60 Current 0.15016 0.1274 6.0 Employed False 800.0 819.0 8146.666667 1.0000 0 0
113932 36 Current 0.22354 0.1864 5.0 Employed True 700.0 719.0 4333.333333 1.0000 0 0
113933 36 FinalPaymentInProgress 0.13220 0.1110 8.0 Employed True 700.0 719.0 8041.666667 1.0000 0 0
113934 60 Current 0.23984 0.2150 3.0 Employed True 700.0 719.0 2875.000000 1.0000 0 0
113935 60 Completed 0.28408 0.2605 5.0 Full-time True 680.0 699.0 3875.000000 1.0000 0 0
113936 36 Current 0.13189 0.1039 7.0 Employed False 680.0 699.0 4583.333333 1.0000 0 0

113937 rows × 13 columns

In [7]:
df_sub['LoanStatus'].value_counts()
Out[7]:
Current                   56576
Completed                 38074
Chargedoff                11992
Defaulted                  5018
Past Due (1-15 days)        806
Past Due (31-60 days)       363
Past Due (61-90 days)       313
Past Due (91-120 days)      304
Past Due (16-30 days)       265
FinalPaymentInProgress      205
Past Due (>120 days)         16
Cancelled                     5
Name: LoanStatus, dtype: int64
Out[7]:
Current                   56576
Completed                 38074
Chargedoff                11992
Defaulted                  5018
Past Due (1-15 days)        806
Past Due (31-60 days)       363
Past Due (61-90 days)       313
Past Due (91-120 days)      304
Past Due (16-30 days)       265
FinalPaymentInProgress      205
Past Due (>120 days)         16
Cancelled                     5
Name: LoanStatus, dtype: int64
In [8]:
# rename the LoanStatus column for better visualization, and make it categorical
def renameLoanStatus(x):
    if 'Past Due' in x:
        return 'Past Due'
    elif x == 'FinalPaymentInProgress':
        return 'InProgress'
    return x
        
df_sub.LoanStatus = df_sub.LoanStatus.apply(renameLoanStatus);
df_sub.LoanStatus = df_sub.LoanStatus.astype('category')
In [9]:
df_sub.EmploymentStatus.value_counts()
Out[9]:
Employed         67322
Full-time        26355
Self-employed     6134
Not available     5347
Other             3806
Part-time         1088
Not employed       835
Retired            795
Name: EmploymentStatus, dtype: int64
Out[9]:
Employed         67322
Full-time        26355
Self-employed     6134
Not available     5347
Other             3806
Part-time         1088
Not employed       835
Retired            795
Name: EmploymentStatus, dtype: int64
In [10]:
#  make EmploymentStatus categorical
df_sub.EmploymentStatus = df_sub.EmploymentStatus.astype('category')
In [11]:
# overview of the datatypes and infomation
df_sub.info()
<class 'pandas.core.frame.DataFrame'>
RangeIndex: 113937 entries, 0 to 113936
Data columns (total 13 columns):
Term                          113937 non-null int64
LoanStatus                    113937 non-null category
BorrowerAPR                   113912 non-null float64
BorrowerRate                  113937 non-null float64
ProsperScore                  84853 non-null float64
EmploymentStatus              111682 non-null category
IsBorrowerHomeowner           113937 non-null bool
CreditScoreRangeLower         113346 non-null float64
CreditScoreRangeUpper         113346 non-null float64
StatedMonthlyIncome           113937 non-null float64
PercentFunded                 113937 non-null float64
Recommendations               113937 non-null int64
InvestmentFromFriendsCount    113937 non-null int64
dtypes: bool(1), category(2), float64(7), int64(3)
memory usage: 9.0 MB
<class 'pandas.core.frame.DataFrame'>
RangeIndex: 113937 entries, 0 to 113936
Data columns (total 13 columns):
Term                          113937 non-null int64
LoanStatus                    113937 non-null category
BorrowerAPR                   113912 non-null float64
BorrowerRate                  113937 non-null float64
ProsperScore                  84853 non-null float64
EmploymentStatus              111682 non-null category
IsBorrowerHomeowner           113937 non-null bool
CreditScoreRangeLower         113346 non-null float64
CreditScoreRangeUpper         113346 non-null float64
StatedMonthlyIncome           113937 non-null float64
PercentFunded                 113937 non-null float64
Recommendations               113937 non-null int64
InvestmentFromFriendsCount    113937 non-null int64
dtypes: bool(1), category(2), float64(7), int64(3)
memory usage: 9.0 MB
In [12]:
# descriptive statistics for numeric variables
df_sub.describe()
Out[12]:
Term BorrowerAPR BorrowerRate ProsperScore CreditScoreRangeLower CreditScoreRangeUpper StatedMonthlyIncome PercentFunded Recommendations InvestmentFromFriendsCount
count 113937.000000 113912.000000 113937.000000 84853.000000 113346.000000 113346.000000 1.139370e+05 113937.000000 113937.000000 113937.000000
mean 40.830248 0.218828 0.192764 5.950067 685.567731 704.567731 5.608026e+03 0.998584 0.048027 0.023460
std 10.436212 0.080364 0.074818 2.376501 66.458275 66.458275 7.478497e+03 0.017919 0.332353 0.232412
min 12.000000 0.006530 0.000000 1.000000 0.000000 19.000000 0.000000e+00 0.700000 0.000000 0.000000
25% 36.000000 0.156290 0.134000 4.000000 660.000000 679.000000 3.200333e+03 1.000000 0.000000 0.000000
50% 36.000000 0.209760 0.184000 6.000000 680.000000 699.000000 4.666667e+03 1.000000 0.000000 0.000000
75% 36.000000 0.283810 0.250000 8.000000 720.000000 739.000000 6.825000e+03 1.000000 0.000000 0.000000
max 60.000000 0.512290 0.497500 11.000000 880.000000 899.000000 1.750003e+06 1.012500 39.000000 33.000000
Out[12]:
Term BorrowerAPR BorrowerRate ProsperScore CreditScoreRangeLower CreditScoreRangeUpper StatedMonthlyIncome PercentFunded Recommendations InvestmentFromFriendsCount
count 113937.000000 113912.000000 113937.000000 84853.000000 113346.000000 113346.000000 1.139370e+05 113937.000000 113937.000000 113937.000000
mean 40.830248 0.218828 0.192764 5.950067 685.567731 704.567731 5.608026e+03 0.998584 0.048027 0.023460
std 10.436212 0.080364 0.074818 2.376501 66.458275 66.458275 7.478497e+03 0.017919 0.332353 0.232412
min 12.000000 0.006530 0.000000 1.000000 0.000000 19.000000 0.000000e+00 0.700000 0.000000 0.000000
25% 36.000000 0.156290 0.134000 4.000000 660.000000 679.000000 3.200333e+03 1.000000 0.000000 0.000000
50% 36.000000 0.209760 0.184000 6.000000 680.000000 699.000000 4.666667e+03 1.000000 0.000000 0.000000
75% 36.000000 0.283810 0.250000 8.000000 720.000000 739.000000 6.825000e+03 1.000000 0.000000 0.000000
max 60.000000 0.512290 0.497500 11.000000 880.000000 899.000000 1.750003e+06 1.012500 39.000000 33.000000

There are 113937 loans within the dataset, and initially with 81 variables on each loan. Some variables are just IDs of the loans, while others are personal infomation about the borrowers. I only extracted a fraction of the variables to analyze on, which I think will be intersting to work with. There are 14 columns I used:

Term                      
LoanStatus                    
BorrowerAPR                   
BorrowerRate                                   
EmploymentStatus              
IsBorrowerHomeowner          
CreditScoreRangeLower         
CreditScoreRangeUpper         
StatedMonthlyIncome           
PercentFunded                 
Recommendations               
InvestmentFromFriendsCount
ProsperScore
  • Most variables are numertic, while there are 3 categorical ones.

I am interested in two things: first, which features are best at predicting the LoanStatus; second, which features determine the BorrowerAPR and BorrowerRate at most?

I expect the two CreditScoreRange will have the most effect on loan completion, and variables like Occupation, EmploymentStatus, IsBorrowerHomeowner will determine the borrowers's interest rate.

Univariate Exploration

I'll start by looking at the loan status.

In [13]:
# absolute Frequency of LoanStatus
base_color = sb.color_palette()[4]
plt.figure(figsize=(10,5))
sb.countplot(data=df_sub, x='LoanStatus', color=base_color);
In [14]:
# get the relative frequency of LoanStatus, i.e., by proportion
n_points = df_sub.shape[0]
max_count = df_sub['LoanStatus'].value_counts().max()
max_prop = max_count / n_points

# generate tick mark locations and names
tick_props = np.arange(0, max_prop, 0.05)
tick_names = ['{:0.2f}'.format(v) for v in tick_props]

# create the plot
plt.figure(figsize=(10,5))
sb.countplot(data = df_sub, x = 'LoanStatus', color = base_color, )
plt.yticks(tick_props * n_points, tick_names)
plt.ylabel('proportion')

locs, labels = plt.xticks() # get the current tick locations and labels

# loop through each pair of locations and labels
for loc, label in zip(locs, labels):

    # get the text property for the label to get the correct count
    count = df_sub['LoanStatus'].value_counts()[label.get_text()]
    pct_string = '{:0.3f}%'.format(100*count/n_points)

    # print the annotation just below the top of the bar
    plt.text(loc, count-8, pct_string, ha = 'center', color = 'black')

plt.xticks(rotation = 15);

About half of the loans are ongoing, and with more than 5% of the loans are bad (means they are either defaulted or past due).

Next up, the Term variable.

It would be better to categorize Term.

In [15]:
df_sub['Term'] = df_sub['Term'].astype('category')
In [16]:
# get the relative frequency of Term, i.e., by proportion
n_points = df_sub.shape[0]
max_count = df_sub['Term'].value_counts().max()
max_prop = max_count / n_points

# generate tick mark locations and names
tick_props = np.arange(0, max_prop, 0.05)
tick_names = ['{:0.2f}'.format(v) for v in tick_props]

# create the plot
plt.figure(figsize=(10,5))
sb.countplot(data = df_sub, x = 'Term', color = base_color, )
plt.yticks(tick_props * n_points, tick_names)
plt.ylabel('proportion')

locs, labels = plt.xticks() # get the current tick locations and labels

# also loops over the value_counts series
j = 0

# loop through each pair of locations and labels
for loc, label in zip(locs, labels):

    # get the text property for the label to get the correct count
    count = df_sub['Term'].value_counts()[j]
    pct_string = '{:0.3f}%'.format(100*count/n_points)

    # print the annotation just below the top of the bar
    plt.text(loc, count-8, pct_string, ha = 'center', color = 'black')

    j += 1

The majority of of term is 36 months.

Let's take a look at the EmploymentStatus and IsBorrowerHomeowner, the two categorical variables

In [17]:
# get the relative frequency of EmploymentStatus, i.e., by proportion
n_points = df_sub.shape[0]
max_count = df_sub['EmploymentStatus'].value_counts().max()
max_prop = max_count / n_points

# generate tick mark locations and names
tick_props = np.arange(0, max_prop, 0.05)
tick_names = ['{:0.2f}'.format(v) for v in tick_props]

# create the plot
plt.figure(figsize=(10,5))
sb.countplot(data = df_sub, x = 'EmploymentStatus', color = base_color, )
plt.yticks(tick_props * n_points, tick_names)
plt.ylabel('proportion')

locs, labels = plt.xticks() # get the current tick locations and labels

# loop through each pair of locations and labels
for loc, label in zip(locs, labels):

    # get the text property for the label to get the correct count
    count = df_sub['EmploymentStatus'].value_counts()[label.get_text()]
    pct_string = '{:0.3f}%'.format(100*count/n_points)

    # print the annotation just below the top of the bar
    plt.text(loc, count-8, pct_string, ha = 'center', color = 'black')

plt.xticks(rotation = 15);

# do the same to IsBorrowerHomeowner, but create a pie chart instead
n_points = df_sub.shape[0]
max_count = df_sub['IsBorrowerHomeowner'].value_counts().max()
max_prop = max_count / n_points

# generate tick mark locations and names
tick_props = np.arange(0, max_prop, 0.05)
tick_names = ['{:0.2f}'.format(v) for v in tick_props]

# create the plot
plt.figure(figsize=(10,5))
sb.countplot(data = df_sub, x = 'IsBorrowerHomeowner', color = base_color, )
plt.yticks(tick_props * n_points, tick_names)
plt.ylabel('proportion')

locs, labels = plt.xticks() # get the current tick locations and labels

# loop through each pair of locations and labels

# also loop over the value_counts series
j = 0

for loc, label in zip(locs, labels):

    # get the index of series to get the boolean variable
    count = df_sub['IsBorrowerHomeowner'].value_counts()[j]
    pct_string = '{:0.3f}%'.format(100*count/n_points)

    # print the annotation just below the top of the bar
    plt.text(loc, count-8, pct_string, ha = 'center', color = 'black')
    
    j += 1

The majority of th borrowers are employed, however, wouldn't the 'Employed' column being more general than the 'Full-time' and 'Part-time'?

Approximately half of the borrowers owned a house.

In [18]:
# CreditScoreRangeLower

plt.hist(data=df_sub, x='CreditScoreRangeLower');

# noting that there are some outliers below the 200 ticks
/anaconda3/lib/python3.7/site-packages/numpy/lib/histograms.py:824: RuntimeWarning: invalid value encountered in greater_equal
  keep = (tmp_a >= first_edge)
/anaconda3/lib/python3.7/site-packages/numpy/lib/histograms.py:825: RuntimeWarning: invalid value encountered in less_equal
  keep &= (tmp_a <= last_edge)
/anaconda3/lib/python3.7/site-packages/numpy/lib/histograms.py:824: RuntimeWarning: invalid value encountered in greater_equal
  keep = (tmp_a >= first_edge)
/anaconda3/lib/python3.7/site-packages/numpy/lib/histograms.py:825: RuntimeWarning: invalid value encountered in less_equal
  keep &= (tmp_a <= last_edge)
In [19]:
# examine those data with a very low credit score
df_sub.query('CreditScoreRangeLower < 200')
Out[19]:
Term LoanStatus BorrowerAPR BorrowerRate ProsperScore EmploymentStatus IsBorrowerHomeowner CreditScoreRangeLower CreditScoreRangeUpper StatedMonthlyIncome PercentFunded Recommendations InvestmentFromFriendsCount
794 36 Completed 0.29776 0.2900 NaN Not available False 0.0 19.0 115.583333 1.0 0 0
912 36 Defaulted 0.27276 0.2600 NaN Not available False 0.0 19.0 2316.666667 1.0 0 0
1685 36 Chargedoff 0.18065 0.1625 NaN Not available False 0.0 19.0 1600.000000 1.0 0 0
4290 36 Chargedoff 0.24502 0.2375 NaN NaN False 0.0 19.0 2916.666667 1.0 0 0
4371 36 Defaulted 0.24505 0.2325 NaN Not available False 0.0 19.0 0.000000 1.0 0 0
4430 36 Defaulted 0.16296 0.1450 NaN Not available False 0.0 19.0 166.666667 1.0 0 0
4672 36 Chargedoff 0.20836 0.1930 NaN Not available False 0.0 19.0 2666.666667 1.0 0 0
5684 36 Completed 0.23748 0.2300 NaN Not available False 0.0 19.0 1083.333333 1.0 0 0
6877 36 Chargedoff 0.08718 0.0700 NaN Not available False 0.0 19.0 2227.500000 1.0 0 0
7739 36 Chargedoff 0.29776 0.2900 NaN Not available False 0.0 19.0 1400.000000 1.0 0 0
9048 36 Defaulted 0.30962 0.2900 NaN Not available False 0.0 19.0 3166.666667 1.0 0 0
9473 36 Chargedoff 0.25757 0.2500 NaN Not available False 0.0 19.0 2000.000000 1.0 0 0
13395 36 Defaulted 0.24502 0.2375 NaN NaN True 0.0 19.0 4166.666667 1.0 0 0
13525 36 Chargedoff 0.20735 0.2000 NaN Not available False 0.0 19.0 3896.666667 1.0 0 0
13686 36 Completed 0.18824 0.1700 NaN Not available False 0.0 19.0 2050.000000 1.0 0 0
13938 36 Defaulted 0.18824 0.1700 NaN Not available False 0.0 19.0 2083.333333 1.0 0 0
14338 36 Chargedoff 0.18515 0.1700 NaN Not available False 0.0 19.0 1083.333333 1.0 0 0
14725 36 Chargedoff 0.18132 0.1700 NaN Not available False 0.0 19.0 916.666667 1.0 0 0
15093 36 Defaulted 0.29972 0.2900 NaN NaN False 0.0 19.0 1200.000000 1.0 0 0
15137 36 Chargedoff 0.25757 0.2500 NaN NaN False 0.0 19.0 1500.000000 1.0 0 0
18774 36 Defaulted 0.28771 0.2800 NaN NaN False 0.0 19.0 2683.333333 1.0 0 0
18836 36 Defaulted 0.30630 0.2900 NaN Not available False 0.0 19.0 2080.000000 1.0 0 0
19737 36 Completed 0.30503 0.2900 NaN Not available False 0.0 19.0 1500.000000 1.0 0 0
20736 36 Completed 0.29972 0.2900 NaN Not available False 0.0 19.0 1150.000000 1.0 0 0
21047 36 Defaulted 0.10739 0.0900 NaN Not available False 0.0 19.0 1475.000000 1.0 0 0
21397 36 Completed 0.24753 0.2400 NaN Not available False 0.0 19.0 9233.333333 1.0 0 0
22399 36 Completed 0.20684 0.1995 NaN NaN False 0.0 19.0 1666.666667 1.0 0 0
24874 36 Chargedoff 0.24253 0.2300 NaN Not available False 0.0 19.0 190.416667 1.0 0 0
24999 36 Completed 0.20986 0.2025 NaN NaN False 0.0 19.0 2348.416667 1.0 0 0
25363 36 Defaulted 0.26535 0.2480 NaN Not available False 0.0 19.0 2862.416667 1.0 0 0
25420 36 Defaulted 0.20793 0.1895 NaN Not available False 0.0 19.0 1083.333333 1.0 0 0
25951 36 Chargedoff 0.22744 0.2200 NaN Not available False 0.0 19.0 2446.750000 1.0 0 0
26346 36 Defaulted 0.29960 0.2900 NaN Not available False 0.0 19.0 1604.166667 1.0 0 0
27546 36 Chargedoff 0.23999 0.2325 NaN Not available False 0.0 19.0 2083.333333 1.0 0 0
27956 36 Defaulted 0.18824 0.1700 NaN Not available False 0.0 19.0 37.500000 1.0 0 0
30460 36 Completed 0.27276 0.2600 NaN Not available False 0.0 19.0 1583.333333 1.0 0 0
30524 36 Completed 0.21543 0.2000 NaN Not available False 0.0 19.0 2250.000000 1.0 0 0
31084 36 Defaulted 0.29720 0.2875 NaN Not available False 0.0 19.0 1333.333333 1.0 0 0
31093 36 Defaulted 0.30300 0.2900 NaN Not available False 0.0 19.0 4000.000000 1.0 0 0
32477 36 Completed 0.20735 0.2000 NaN Not available False 0.0 19.0 0.083333 1.0 0 0
32724 36 Defaulted 0.17904 0.1700 NaN NaN False 0.0 19.0 5166.666667 1.0 0 0
33584 36 Defaulted 0.28938 0.2700 NaN Not available False 0.0 19.0 1083.333333 1.0 0 0
33863 36 Completed 0.22931 0.2200 NaN Not available False 0.0 19.0 2116.833333 1.0 0 0
35144 36 Defaulted 0.16466 0.1575 NaN NaN False 0.0 19.0 1898.000000 1.0 0 0
35258 36 Completed 0.18824 0.1700 NaN Not available False 0.0 19.0 3529.000000 1.0 0 0
35583 36 Chargedoff 0.30781 0.3000 NaN Not available False 0.0 19.0 3546.416667 1.0 0 0
36090 36 Completed 0.07456 0.0575 NaN NaN False 0.0 19.0 1000.000000 1.0 0 0
37879 36 Defaulted 0.14510 0.1309 NaN Not available False 0.0 19.0 500.000000 1.0 0 0
37961 36 Completed 0.29776 0.2900 NaN Not available False 0.0 19.0 583.333333 1.0 0 0
38712 36 Chargedoff 0.25757 0.2500 NaN NaN False 0.0 19.0 2491.666667 1.0 0 0
39530 36 Chargedoff 0.06698 0.0500 NaN Not available False 0.0 19.0 2666.666667 1.0 0 0
40949 36 Chargedoff 0.24943 0.2400 NaN Not available False 0.0 19.0 187.166667 1.0 0 0
41262 36 Chargedoff 0.26914 0.2500 NaN Not available False 0.0 19.0 3625.000000 1.0 0 0
45243 36 Chargedoff 0.29716 0.2894 NaN Not available False 0.0 19.0 750.000000 1.0 0 0
45784 36 Chargedoff 0.20846 0.1900 NaN Not available False 0.0 19.0 1833.333333 1.0 0 0
47699 36 Completed 0.22744 0.2200 NaN NaN False 0.0 19.0 5000.000000 1.0 0 0
48553 36 Defaulted 0.18738 0.1770 NaN NaN False 0.0 19.0 6250.000000 1.0 0 0
48629 36 Completed 0.21857 0.2000 NaN NaN False 0.0 19.0 2083.333333 1.0 0 0
49530 36 Completed 0.16635 0.1500 NaN Not available False 0.0 19.0 3083.333333 1.0 0 0
49970 36 Completed 0.18773 0.1695 NaN Not available False 0.0 19.0 833.333333 1.0 0 0
49993 36 Completed 0.23748 0.2300 NaN Not available False 0.0 19.0 86.666667 1.0 0 0
51824 36 Chargedoff 0.28771 0.2800 NaN Not available False 0.0 19.0 1820.000000 1.0 0 0
53036 36 Defaulted 0.20223 0.1900 NaN Not available False 0.0 19.0 2823.500000 1.0 0 0
53060 36 Completed 0.21857 0.2000 NaN Not available False 0.0 19.0 1250.000000 1.0 0 0
53277 36 Completed 0.27948 0.2700 NaN Not available False 0.0 19.0 1100.000000 1.0 0 0
53280 36 Completed 0.17050 0.1585 NaN Not available False 0.0 19.0 1440.000000 1.0 0 0
54101 36 Defaulted 0.18824 0.1700 NaN Not available False 0.0 19.0 1583.333333 1.0 0 0
54114 36 Defaulted 0.21230 0.2000 NaN Not available False 0.0 19.0 5416.666667 1.0 0 0
54811 36 Defaulted 0.19582 0.1775 NaN NaN False 0.0 19.0 1640.000000 1.0 0 0
56188 36 Completed 0.18565 0.1784 NaN Not available False 0.0 19.0 2583.333333 1.0 0 0
56190 36 Defaulted 0.25903 0.2400 NaN Not available False 0.0 19.0 400.000000 1.0 0 0
56732 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 2500.000000 1.0 0 0
58571 36 Chargedoff 0.27767 0.2700 NaN Not available False 0.0 19.0 850.000000 1.0 0 0
59967 36 Defaulted 0.29292 0.2800 NaN Not available False 0.0 19.0 714.000000 1.0 0 0
61268 36 Completed 0.22615 0.2075 NaN NaN False 0.0 19.0 2291.666667 1.0 0 0
61529 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 2916.666667 1.0 0 0
61785 36 Completed 0.18909 0.1800 NaN Not available False 0.0 19.0 1521.250000 1.0 0 0
61992 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 3500.000000 1.0 0 0
64562 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 4400.000000 1.0 0 0
66051 36 Completed 0.24502 0.2375 NaN Not available False 0.0 19.0 3166.666667 1.0 0 0
66781 36 Defaulted 0.28771 0.2800 NaN Not available False 0.0 19.0 6250.000000 1.0 0 0
69217 36 Completed 0.16949 0.1575 NaN NaN False 0.0 19.0 5666.666667 1.0 0 0
69880 36 Defaulted 0.28771 0.2800 NaN NaN False 0.0 19.0 5250.000000 1.0 0 0
70079 36 Completed 0.20735 0.2000 NaN NaN False 0.0 19.0 1000.000000 1.0 0 0
72889 36 Defaulted 0.18318 0.1650 NaN Not available False 0.0 19.0 1200.000000 1.0 0 0
72942 36 Defaulted 0.30781 0.3000 NaN NaN False 0.0 19.0 1100.000000 1.0 0 0
73152 36 Defaulted 0.28941 0.2800 NaN NaN False 0.0 19.0 2054.166667 1.0 0 0
75149 36 Defaulted 0.25757 0.2500 NaN Not available False 0.0 19.0 2666.666667 1.0 0 0
75891 36 Defaulted 0.26954 0.2600 NaN Not available False 0.0 19.0 2750.000000 1.0 0 0
79107 36 Defaulted 0.23497 0.2275 NaN NaN False 0.0 19.0 1833.333333 1.0 0 0
79600 36 Completed 0.23937 0.2300 NaN Not available False 0.0 19.0 3553.333333 1.0 0 0
80444 36 Completed 0.22744 0.2200 NaN Not available False 0.0 19.0 1916.666667 1.0 0 0
81244 36 Chargedoff 0.29776 0.2900 NaN Not available False 0.0 19.0 2666.666667 1.0 0 0
82008 36 Defaulted 0.23748 0.2300 NaN Not available False 0.0 19.0 2416.666667 1.0 0 0
82889 36 Chargedoff 0.18824 0.1700 NaN Not available False 0.0 19.0 7083.333333 1.0 0 0
85717 36 Chargedoff 0.27767 0.2700 NaN Not available False 0.0 19.0 3704.416667 1.0 0 0
88167 36 Completed 0.27767 0.2700 NaN Not available False 0.0 19.0 2200.000000 1.0 0 0
88967 36 Defaulted 0.24891 0.2300 NaN NaN False 0.0 19.0 1191.666667 1.0 0 0
89619 36 Defaulted 0.27767 0.2700 NaN Not available False 0.0 19.0 3000.000000 1.0 0 0
91152 36 Chargedoff 0.29776 0.2900 NaN Not available False 0.0 19.0 1600.000000 1.0 0 0
91653 36 Completed 0.24891 0.2300 NaN NaN False 0.0 19.0 645.500000 1.0 0 0
92382 36 Completed 0.22615 0.2075 NaN NaN False 0.0 19.0 5416.666667 1.0 0 0
94198 36 Defaulted 0.19462 0.1800 NaN NaN False 0.0 19.0 0.083333 1.0 0 0
95819 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 899.666667 1.0 0 0
95983 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 1600.000000 1.0 0 0
97961 36 Defaulted 0.29776 0.2900 NaN NaN False 0.0 19.0 4166.666667 1.0 0 0
99180 36 Defaulted 0.21986 0.2075 NaN NaN False 0.0 19.0 800.000000 1.0 0 0
99799 36 Chargedoff 0.22615 0.2075 NaN NaN False 0.0 19.0 1583.333333 1.0 0 0
99826 36 Completed 0.16802 0.1500 NaN Not available False 0.0 19.0 2250.000000 1.0 0 0
100081 36 Completed 0.22241 0.2150 NaN Not available False 0.0 19.0 5833.333333 1.0 0 0
100388 36 Chargedoff 0.17850 0.1700 NaN Not available False 0.0 19.0 1297.500000 1.0 0 0
100942 36 Chargedoff 0.15713 0.1500 NaN Not available False 0.0 19.0 2166.666667 1.0 0 0
100943 36 Chargedoff 0.26008 0.2525 NaN Not available False 0.0 19.0 1600.000000 1.0 0 0
100973 36 Defaulted 0.27767 0.2700 NaN NaN False 0.0 19.0 2500.000000 1.0 0 0
101018 36 Defaulted 0.30962 0.2900 NaN Not available False 0.0 19.0 1141.666667 1.0 0 0
101859 36 Defaulted 0.25566 0.2481 NaN Not available False 0.0 19.0 2500.000000 1.0 0 0
102032 36 Chargedoff 0.26526 0.2500 NaN NaN False 0.0 19.0 2000.000000 1.0 0 0
102090 36 Defaulted 0.12198 0.1150 NaN Not available False 0.0 19.0 33333.333333 1.0 0 0
102229 36 Chargedoff 0.29776 0.2900 NaN Not available False 0.0 19.0 1194.166667 1.0 0 0
102840 36 Chargedoff 0.22744 0.2200 NaN NaN False 0.0 19.0 3333.333333 1.0 0 0
103001 36 Defaulted 0.27767 0.2700 NaN Not available False 0.0 19.0 8.333333 1.0 0 0
103065 36 Defaulted 0.24891 0.2300 NaN Not available False 0.0 19.0 1666.666667 1.0 0 0
103726 36 Defaulted 0.25397 0.2350 NaN Not available False 0.0 19.0 1666.666667 1.0 0 0
105032 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 975.000000 1.0 0 0
106897 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 2637.583333 1.0 0 0
108762 36 Defaulted 0.25903 0.2400 NaN Not available False 0.0 19.0 1000.000000 1.0 0 0
109060 36 Defaulted 0.26914 0.2500 NaN Not available False 0.0 19.0 500.000000 1.0 0 0
109468 36 Completed 0.12700 0.1200 NaN Not available False 0.0 19.0 0.083333 1.0 0 0
109522 36 Chargedoff 0.21543 0.2000 NaN Not available False 0.0 19.0 1708.333333 1.0 0 0
109855 36 Completed 0.22643 0.2190 NaN Not available False 0.0 19.0 2000.000000 1.0 0 0
110290 36 Chargedoff 0.17752 0.1594 NaN Not available False 0.0 19.0 4491.666667 1.0 0 0
111624 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 2333.333333 1.0 0 0
113848 36 Completed 0.30709 0.2875 NaN Not available False 0.0 19.0 833.333333 1.0 0 0
Out[19]:
Term LoanStatus BorrowerAPR BorrowerRate ProsperScore EmploymentStatus IsBorrowerHomeowner CreditScoreRangeLower CreditScoreRangeUpper StatedMonthlyIncome PercentFunded Recommendations InvestmentFromFriendsCount
794 36 Completed 0.29776 0.2900 NaN Not available False 0.0 19.0 115.583333 1.0 0 0
912 36 Defaulted 0.27276 0.2600 NaN Not available False 0.0 19.0 2316.666667 1.0 0 0
1685 36 Chargedoff 0.18065 0.1625 NaN Not available False 0.0 19.0 1600.000000 1.0 0 0
4290 36 Chargedoff 0.24502 0.2375 NaN NaN False 0.0 19.0 2916.666667 1.0 0 0
4371 36 Defaulted 0.24505 0.2325 NaN Not available False 0.0 19.0 0.000000 1.0 0 0
4430 36 Defaulted 0.16296 0.1450 NaN Not available False 0.0 19.0 166.666667 1.0 0 0
4672 36 Chargedoff 0.20836 0.1930 NaN Not available False 0.0 19.0 2666.666667 1.0 0 0
5684 36 Completed 0.23748 0.2300 NaN Not available False 0.0 19.0 1083.333333 1.0 0 0
6877 36 Chargedoff 0.08718 0.0700 NaN Not available False 0.0 19.0 2227.500000 1.0 0 0
7739 36 Chargedoff 0.29776 0.2900 NaN Not available False 0.0 19.0 1400.000000 1.0 0 0
9048 36 Defaulted 0.30962 0.2900 NaN Not available False 0.0 19.0 3166.666667 1.0 0 0
9473 36 Chargedoff 0.25757 0.2500 NaN Not available False 0.0 19.0 2000.000000 1.0 0 0
13395 36 Defaulted 0.24502 0.2375 NaN NaN True 0.0 19.0 4166.666667 1.0 0 0
13525 36 Chargedoff 0.20735 0.2000 NaN Not available False 0.0 19.0 3896.666667 1.0 0 0
13686 36 Completed 0.18824 0.1700 NaN Not available False 0.0 19.0 2050.000000 1.0 0 0
13938 36 Defaulted 0.18824 0.1700 NaN Not available False 0.0 19.0 2083.333333 1.0 0 0
14338 36 Chargedoff 0.18515 0.1700 NaN Not available False 0.0 19.0 1083.333333 1.0 0 0
14725 36 Chargedoff 0.18132 0.1700 NaN Not available False 0.0 19.0 916.666667 1.0 0 0
15093 36 Defaulted 0.29972 0.2900 NaN NaN False 0.0 19.0 1200.000000 1.0 0 0
15137 36 Chargedoff 0.25757 0.2500 NaN NaN False 0.0 19.0 1500.000000 1.0 0 0
18774 36 Defaulted 0.28771 0.2800 NaN NaN False 0.0 19.0 2683.333333 1.0 0 0
18836 36 Defaulted 0.30630 0.2900 NaN Not available False 0.0 19.0 2080.000000 1.0 0 0
19737 36 Completed 0.30503 0.2900 NaN Not available False 0.0 19.0 1500.000000 1.0 0 0
20736 36 Completed 0.29972 0.2900 NaN Not available False 0.0 19.0 1150.000000 1.0 0 0
21047 36 Defaulted 0.10739 0.0900 NaN Not available False 0.0 19.0 1475.000000 1.0 0 0
21397 36 Completed 0.24753 0.2400 NaN Not available False 0.0 19.0 9233.333333 1.0 0 0
22399 36 Completed 0.20684 0.1995 NaN NaN False 0.0 19.0 1666.666667 1.0 0 0
24874 36 Chargedoff 0.24253 0.2300 NaN Not available False 0.0 19.0 190.416667 1.0 0 0
24999 36 Completed 0.20986 0.2025 NaN NaN False 0.0 19.0 2348.416667 1.0 0 0
25363 36 Defaulted 0.26535 0.2480 NaN Not available False 0.0 19.0 2862.416667 1.0 0 0
25420 36 Defaulted 0.20793 0.1895 NaN Not available False 0.0 19.0 1083.333333 1.0 0 0
25951 36 Chargedoff 0.22744 0.2200 NaN Not available False 0.0 19.0 2446.750000 1.0 0 0
26346 36 Defaulted 0.29960 0.2900 NaN Not available False 0.0 19.0 1604.166667 1.0 0 0
27546 36 Chargedoff 0.23999 0.2325 NaN Not available False 0.0 19.0 2083.333333 1.0 0 0
27956 36 Defaulted 0.18824 0.1700 NaN Not available False 0.0 19.0 37.500000 1.0 0 0
30460 36 Completed 0.27276 0.2600 NaN Not available False 0.0 19.0 1583.333333 1.0 0 0
30524 36 Completed 0.21543 0.2000 NaN Not available False 0.0 19.0 2250.000000 1.0 0 0
31084 36 Defaulted 0.29720 0.2875 NaN Not available False 0.0 19.0 1333.333333 1.0 0 0
31093 36 Defaulted 0.30300 0.2900 NaN Not available False 0.0 19.0 4000.000000 1.0 0 0
32477 36 Completed 0.20735 0.2000 NaN Not available False 0.0 19.0 0.083333 1.0 0 0
32724 36 Defaulted 0.17904 0.1700 NaN NaN False 0.0 19.0 5166.666667 1.0 0 0
33584 36 Defaulted 0.28938 0.2700 NaN Not available False 0.0 19.0 1083.333333 1.0 0 0
33863 36 Completed 0.22931 0.2200 NaN Not available False 0.0 19.0 2116.833333 1.0 0 0
35144 36 Defaulted 0.16466 0.1575 NaN NaN False 0.0 19.0 1898.000000 1.0 0 0
35258 36 Completed 0.18824 0.1700 NaN Not available False 0.0 19.0 3529.000000 1.0 0 0
35583 36 Chargedoff 0.30781 0.3000 NaN Not available False 0.0 19.0 3546.416667 1.0 0 0
36090 36 Completed 0.07456 0.0575 NaN NaN False 0.0 19.0 1000.000000 1.0 0 0
37879 36 Defaulted 0.14510 0.1309 NaN Not available False 0.0 19.0 500.000000 1.0 0 0
37961 36 Completed 0.29776 0.2900 NaN Not available False 0.0 19.0 583.333333 1.0 0 0
38712 36 Chargedoff 0.25757 0.2500 NaN NaN False 0.0 19.0 2491.666667 1.0 0 0
39530 36 Chargedoff 0.06698 0.0500 NaN Not available False 0.0 19.0 2666.666667 1.0 0 0
40949 36 Chargedoff 0.24943 0.2400 NaN Not available False 0.0 19.0 187.166667 1.0 0 0
41262 36 Chargedoff 0.26914 0.2500 NaN Not available False 0.0 19.0 3625.000000 1.0 0 0
45243 36 Chargedoff 0.29716 0.2894 NaN Not available False 0.0 19.0 750.000000 1.0 0 0
45784 36 Chargedoff 0.20846 0.1900 NaN Not available False 0.0 19.0 1833.333333 1.0 0 0
47699 36 Completed 0.22744 0.2200 NaN NaN False 0.0 19.0 5000.000000 1.0 0 0
48553 36 Defaulted 0.18738 0.1770 NaN NaN False 0.0 19.0 6250.000000 1.0 0 0
48629 36 Completed 0.21857 0.2000 NaN NaN False 0.0 19.0 2083.333333 1.0 0 0
49530 36 Completed 0.16635 0.1500 NaN Not available False 0.0 19.0 3083.333333 1.0 0 0
49970 36 Completed 0.18773 0.1695 NaN Not available False 0.0 19.0 833.333333 1.0 0 0
49993 36 Completed 0.23748 0.2300 NaN Not available False 0.0 19.0 86.666667 1.0 0 0
51824 36 Chargedoff 0.28771 0.2800 NaN Not available False 0.0 19.0 1820.000000 1.0 0 0
53036 36 Defaulted 0.20223 0.1900 NaN Not available False 0.0 19.0 2823.500000 1.0 0 0
53060 36 Completed 0.21857 0.2000 NaN Not available False 0.0 19.0 1250.000000 1.0 0 0
53277 36 Completed 0.27948 0.2700 NaN Not available False 0.0 19.0 1100.000000 1.0 0 0
53280 36 Completed 0.17050 0.1585 NaN Not available False 0.0 19.0 1440.000000 1.0 0 0
54101 36 Defaulted 0.18824 0.1700 NaN Not available False 0.0 19.0 1583.333333 1.0 0 0
54114 36 Defaulted 0.21230 0.2000 NaN Not available False 0.0 19.0 5416.666667 1.0 0 0
54811 36 Defaulted 0.19582 0.1775 NaN NaN False 0.0 19.0 1640.000000 1.0 0 0
56188 36 Completed 0.18565 0.1784 NaN Not available False 0.0 19.0 2583.333333 1.0 0 0
56190 36 Defaulted 0.25903 0.2400 NaN Not available False 0.0 19.0 400.000000 1.0 0 0
56732 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 2500.000000 1.0 0 0
58571 36 Chargedoff 0.27767 0.2700 NaN Not available False 0.0 19.0 850.000000 1.0 0 0
59967 36 Defaulted 0.29292 0.2800 NaN Not available False 0.0 19.0 714.000000 1.0 0 0
61268 36 Completed 0.22615 0.2075 NaN NaN False 0.0 19.0 2291.666667 1.0 0 0
61529 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 2916.666667 1.0 0 0
61785 36 Completed 0.18909 0.1800 NaN Not available False 0.0 19.0 1521.250000 1.0 0 0
61992 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 3500.000000 1.0 0 0
64562 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 4400.000000 1.0 0 0
66051 36 Completed 0.24502 0.2375 NaN Not available False 0.0 19.0 3166.666667 1.0 0 0
66781 36 Defaulted 0.28771 0.2800 NaN Not available False 0.0 19.0 6250.000000 1.0 0 0
69217 36 Completed 0.16949 0.1575 NaN NaN False 0.0 19.0 5666.666667 1.0 0 0
69880 36 Defaulted 0.28771 0.2800 NaN NaN False 0.0 19.0 5250.000000 1.0 0 0
70079 36 Completed 0.20735 0.2000 NaN NaN False 0.0 19.0 1000.000000 1.0 0 0
72889 36 Defaulted 0.18318 0.1650 NaN Not available False 0.0 19.0 1200.000000 1.0 0 0
72942 36 Defaulted 0.30781 0.3000 NaN NaN False 0.0 19.0 1100.000000 1.0 0 0
73152 36 Defaulted 0.28941 0.2800 NaN NaN False 0.0 19.0 2054.166667 1.0 0 0
75149 36 Defaulted 0.25757 0.2500 NaN Not available False 0.0 19.0 2666.666667 1.0 0 0
75891 36 Defaulted 0.26954 0.2600 NaN Not available False 0.0 19.0 2750.000000 1.0 0 0
79107 36 Defaulted 0.23497 0.2275 NaN NaN False 0.0 19.0 1833.333333 1.0 0 0
79600 36 Completed 0.23937 0.2300 NaN Not available False 0.0 19.0 3553.333333 1.0 0 0
80444 36 Completed 0.22744 0.2200 NaN Not available False 0.0 19.0 1916.666667 1.0 0 0
81244 36 Chargedoff 0.29776 0.2900 NaN Not available False 0.0 19.0 2666.666667 1.0 0 0
82008 36 Defaulted 0.23748 0.2300 NaN Not available False 0.0 19.0 2416.666667 1.0 0 0
82889 36 Chargedoff 0.18824 0.1700 NaN Not available False 0.0 19.0 7083.333333 1.0 0 0
85717 36 Chargedoff 0.27767 0.2700 NaN Not available False 0.0 19.0 3704.416667 1.0 0 0
88167 36 Completed 0.27767 0.2700 NaN Not available False 0.0 19.0 2200.000000 1.0 0 0
88967 36 Defaulted 0.24891 0.2300 NaN NaN False 0.0 19.0 1191.666667 1.0 0 0
89619 36 Defaulted 0.27767 0.2700 NaN Not available False 0.0 19.0 3000.000000 1.0 0 0
91152 36 Chargedoff 0.29776 0.2900 NaN Not available False 0.0 19.0 1600.000000 1.0 0 0
91653 36 Completed 0.24891 0.2300 NaN NaN False 0.0 19.0 645.500000 1.0 0 0
92382 36 Completed 0.22615 0.2075 NaN NaN False 0.0 19.0 5416.666667 1.0 0 0
94198 36 Defaulted 0.19462 0.1800 NaN NaN False 0.0 19.0 0.083333 1.0 0 0
95819 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 899.666667 1.0 0 0
95983 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 1600.000000 1.0 0 0
97961 36 Defaulted 0.29776 0.2900 NaN NaN False 0.0 19.0 4166.666667 1.0 0 0
99180 36 Defaulted 0.21986 0.2075 NaN NaN False 0.0 19.0 800.000000 1.0 0 0
99799 36 Chargedoff 0.22615 0.2075 NaN NaN False 0.0 19.0 1583.333333 1.0 0 0
99826 36 Completed 0.16802 0.1500 NaN Not available False 0.0 19.0 2250.000000 1.0 0 0
100081 36 Completed 0.22241 0.2150 NaN Not available False 0.0 19.0 5833.333333 1.0 0 0
100388 36 Chargedoff 0.17850 0.1700 NaN Not available False 0.0 19.0 1297.500000 1.0 0 0
100942 36 Chargedoff 0.15713 0.1500 NaN Not available False 0.0 19.0 2166.666667 1.0 0 0
100943 36 Chargedoff 0.26008 0.2525 NaN Not available False 0.0 19.0 1600.000000 1.0 0 0
100973 36 Defaulted 0.27767 0.2700 NaN NaN False 0.0 19.0 2500.000000 1.0 0 0
101018 36 Defaulted 0.30962 0.2900 NaN Not available False 0.0 19.0 1141.666667 1.0 0 0
101859 36 Defaulted 0.25566 0.2481 NaN Not available False 0.0 19.0 2500.000000 1.0 0 0
102032 36 Chargedoff 0.26526 0.2500 NaN NaN False 0.0 19.0 2000.000000 1.0 0 0
102090 36 Defaulted 0.12198 0.1150 NaN Not available False 0.0 19.0 33333.333333 1.0 0 0
102229 36 Chargedoff 0.29776 0.2900 NaN Not available False 0.0 19.0 1194.166667 1.0 0 0
102840 36 Chargedoff 0.22744 0.2200 NaN NaN False 0.0 19.0 3333.333333 1.0 0 0
103001 36 Defaulted 0.27767 0.2700 NaN Not available False 0.0 19.0 8.333333 1.0 0 0
103065 36 Defaulted 0.24891 0.2300 NaN Not available False 0.0 19.0 1666.666667 1.0 0 0
103726 36 Defaulted 0.25397 0.2350 NaN Not available False 0.0 19.0 1666.666667 1.0 0 0
105032 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 975.000000 1.0 0 0
106897 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 2637.583333 1.0 0 0
108762 36 Defaulted 0.25903 0.2400 NaN Not available False 0.0 19.0 1000.000000 1.0 0 0
109060 36 Defaulted 0.26914 0.2500 NaN Not available False 0.0 19.0 500.000000 1.0 0 0
109468 36 Completed 0.12700 0.1200 NaN Not available False 0.0 19.0 0.083333 1.0 0 0
109522 36 Chargedoff 0.21543 0.2000 NaN Not available False 0.0 19.0 1708.333333 1.0 0 0
109855 36 Completed 0.22643 0.2190 NaN Not available False 0.0 19.0 2000.000000 1.0 0 0
110290 36 Chargedoff 0.17752 0.1594 NaN Not available False 0.0 19.0 4491.666667 1.0 0 0
111624 36 Defaulted 0.29776 0.2900 NaN Not available False 0.0 19.0 2333.333333 1.0 0 0
113848 36 Completed 0.30709 0.2875 NaN Not available False 0.0 19.0 833.333333 1.0 0 0

All of these rows have a credit score lower bound of 0, and upper bound of 19.0. Moreover, many of them were either defaulted or charged off.

In [20]:
df_sub.query('CreditScoreRangeLower < 200').LoanStatus.value_counts()
Out[20]:
Defaulted     59
Completed     39
Chargedoff    35
Past Due       0
InProgress     0
Current        0
Cancelled      0
Name: LoanStatus, dtype: int64
Out[20]:
Defaulted     59
Completed     39
Chargedoff    35
Past Due       0
InProgress     0
Current        0
Cancelled      0
Name: LoanStatus, dtype: int64

As we can see, more than half of the debts went bad. These outliers should be dropped, otherwise the analysis twowards credit score would become difficult.

In [21]:
df_sub.drop(axis=0, index=df_sub.query('CreditScoreRangeLower < 200').index, inplace=True)
In [22]:
print(df_sub.CreditScoreRangeLower.describe())
print(df_sub.CreditScoreRangeUpper.describe())
count    113213.000000
mean        686.373120
std          62.201999
min         360.000000
25%         660.000000
50%         680.000000
75%         720.000000
max         880.000000
Name: CreditScoreRangeLower, dtype: float64
count    113213.000000
mean        705.373120
std          62.201999
min         379.000000
25%         679.000000
50%         699.000000
75%         739.000000
max         899.000000
Name: CreditScoreRangeUpper, dtype: float64
count    113213.000000
mean        686.373120
std          62.201999
min         360.000000
25%         660.000000
50%         680.000000
75%         720.000000
max         880.000000
Name: CreditScoreRangeLower, dtype: float64
count    113213.000000
mean        705.373120
std          62.201999
min         379.000000
25%         679.000000
50%         699.000000
75%         739.000000
max         899.000000
Name: CreditScoreRangeUpper, dtype: float64
In [23]:
# take a look at CreditScorelower and upper again.

plt.figure(figsize=(10, 5))

plt.subplot(1,2,1)
bins_edge = np.arange(df_sub.CreditScoreRangeLower.min(), df_sub.CreditScoreRangeLower.max()+10, 10)
plt.hist(data=df_sub, x='CreditScoreRangeLower', bins=bins_edge)
plt.xlabel('CreditScoreRangeLower')
plt.ylabel('Counts');

plt.subplots_adjust(wspace= 0.3)

plt.subplot(1,2,2)
bins_edge = np.arange(df_sub.CreditScoreRangeUpper.min(), df_sub.CreditScoreRangeUpper.max()+10, 10)
plt.hist(data=df_sub, x='CreditScoreRangeUpper', bins=bins_edge)
plt.xlabel('CreditScoreRangeUpper')
plt.ylabel('Counts');

The two bounds of credit score is very similar, noting there are gaps between every sub-interval of the graph, this might indicate the credit scores were given with a sepcific range for each.

The credit socres look very normally distributed as well.

In [24]:
# combine the two plots

bins_edge = np.arange(df_sub.CreditScoreRangeLower.min(), df_sub.CreditScoreRangeUpper.max()+10, 10)
plt.hist(data=df_sub, x='CreditScoreRangeLower', bins=bins_edge)

plt.hist(data=df_sub, x='CreditScoreRangeUpper', bins=bins_edge)
plt.xlabel('CreditScoreRangeCombined')
plt.ylabel('Counts')
plt.legend(['CreditScoreRangeLower', 'CreditScoreRangeUpper']);

Interestingly, thw two graphs fill in each other's gap perfectly, this further indicates the lower and upper bound of credit scores were givien with some certain values.

In [25]:
# take a look at the StatedMonthlyIncome variable
df_sub.StatedMonthlyIncome.describe()
Out[25]:
count    1.138040e+05
mean     5.611754e+03
std      7.481310e+03
min      0.000000e+00
25%      3.208333e+03
50%      4.666667e+03
75%      6.833333e+03
max      1.750003e+06
Name: StatedMonthlyIncome, dtype: float64
Out[25]:
count    1.138040e+05
mean     5.611754e+03
std      7.481310e+03
min      0.000000e+00
25%      3.208333e+03
50%      4.666667e+03
75%      6.833333e+03
max      1.750003e+06
Name: StatedMonthlyIncome, dtype: float64
In [26]:
print(df_sub.query('StatedMonthlyIncome == 0')['Term'].count())
print('{:.5%}'.format(df_sub.query('StatedMonthlyIncome == 0')['Term'].count() / df_sub['Term'].count()))
1393
1.22403%
1393
1.22403%

There are 1393 borrowers with a monthly income of 0, however, it is not significant because it acccounts for only 1.22403% in porpotion of the total.

In [27]:
print(df_sub.query('StatedMonthlyIncome >= 50000')['Term'].count())
print('{:.5%}'.format(df_sub.query('StatedMonthlyIncome >= 50000')['Term'].count() / df_sub['Term'].count()))
91
0.07996%
91
0.07996%

There are 18 borrowers with a monthly income higher than 100000. Altough they might be wrong values, their existence make plotting difficult in the later section. They should better be dropped.

In [28]:
log_binsize = 0.025
bins = 10 ** np.arange(0.0, np.log10(df_sub.StatedMonthlyIncome.max())+log_binsize, log_binsize)

# insert a bin at 0, since there are some values = 0 for StatedMonthlyIncome
bins = list(bins)
bins.insert(0, 0)

plt.figure(figsize= (10, 5))
plt.hist(data=df_sub, x='StatedMonthlyIncome', bins=bins)

# change the graph to log scale
plt.xscale('log');
plt.xticks([500, 1e3, 2e3, 5e3, 1e4, 2e4, 5e4], [ 500, '1k', '2k', '5k', '10k', '20k', '50k'])

plt.xlabel('StatedMonthlyIncome ($)')
plt.ylabel('Count');

The majorty of values are normally distributed, however, outliers are significant at around 0 while also some greater than 50k.

In [29]:
df_sub.query('StatedMonthlyIncome == 0')
Out[29]:
Term LoanStatus BorrowerAPR BorrowerRate ProsperScore EmploymentStatus IsBorrowerHomeowner CreditScoreRangeLower CreditScoreRangeUpper StatedMonthlyIncome PercentFunded Recommendations InvestmentFromFriendsCount
78 36 Chargedoff 0.18454 0.1700 NaN Full-time True 720.0 739.0 0.0 1.0000 0 0
100 36 Chargedoff 0.35356 0.3134 3.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
108 36 Completed 0.28320 0.2600 NaN Full-time False 640.0 659.0 0.0 1.0000 0 0
125 36 Current 0.35643 0.3199 5.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
170 36 Completed 0.28851 0.2499 5.0 Not employed True 760.0 779.0 0.0 1.0000 0 0
186 36 Chargedoff 0.35797 0.3177 5.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
332 36 Cancelled 0.25650 0.2375 NaN NaN True 520.0 539.0 0.0 1.0000 0 0
335 36 Completed 0.35797 0.3177 3.0 Not employed False 760.0 779.0 0.0 1.0000 0 0
688 36 Completed 0.30532 0.2699 7.0 Not employed False 720.0 739.0 0.0 1.0000 0 1
772 36 Completed 0.10491 0.0980 NaN Full-time True 820.0 839.0 0.0 1.0000 0 0
917 36 Completed 0.15713 0.1500 NaN Not available True 720.0 739.0 0.0 1.0000 0 0
948 36 Completed 0.14770 0.1299 NaN Not available True 660.0 679.0 0.0 1.0000 0 0
954 36 Completed 0.27767 0.2700 NaN Full-time False 660.0 679.0 0.0 1.0000 0 0
973 12 Completed 0.30461 0.2254 6.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
988 36 Completed 0.38443 0.3220 5.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
1014 36 Current 0.24758 0.2099 6.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
1157 36 Completed 0.12500 0.1180 NaN Not employed False 720.0 739.0 0.0 1.0000 1 1
1314 36 Current 0.31032 0.2712 2.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
1346 36 Completed 0.37036 0.3500 NaN Self-employed False 520.0 539.0 0.0 1.0000 0 0
1478 36 Chargedoff 0.19730 0.1900 NaN Self-employed False 800.0 819.0 0.0 1.0000 0 0
1521 36 Chargedoff 0.14132 0.1200 NaN Not employed True 540.0 559.0 0.0 1.0000 0 0
1529 60 Past Due 0.27462 0.2489 7.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
1557 36 Current 0.35356 0.3134 4.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
1773 60 Current 0.24702 0.2220 3.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
1790 36 Chargedoff 0.37453 0.3500 NaN Self-employed True 520.0 539.0 0.0 1.0000 0 0
1822 36 Completed 0.16991 0.1555 NaN Full-time True 580.0 599.0 0.0 1.0000 0 0
1829 36 Current 0.35132 0.3149 4.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
1844 36 Completed 0.09436 0.0800 NaN NaN False NaN NaN 0.0 1.0000 0 0
1926 36 Chargedoff 0.30218 0.2900 NaN Full-time True 560.0 579.0 0.0 1.0000 0 0
2064 36 Completed 0.15428 0.1400 NaN Full-time False 700.0 719.0 0.0 1.0000 0 0
2331 36 Current 0.35797 0.3177 4.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
2439 36 Defaulted 0.34815 0.3321 NaN Full-time True 740.0 759.0 0.0 1.0000 0 0
2547 36 Completed 0.20412 0.1820 NaN Full-time False 520.0 539.0 0.0 1.0000 0 0
2583 36 Completed 0.29776 0.2900 NaN Self-employed True 680.0 699.0 0.0 1.0000 1 0
2696 36 Chargedoff 0.15629 0.1420 NaN Full-time True 700.0 719.0 0.0 1.0000 0 0
2871 36 Chargedoff 0.16115 0.1540 NaN Self-employed False 780.0 799.0 0.0 1.0000 0 0
2909 36 Current 0.27060 0.2324 5.0 Not employed True 800.0 819.0 0.0 1.0000 0 0
2967 36 Chargedoff 0.30469 0.2969 NaN Full-time True 640.0 659.0 0.0 1.0000 0 0
2985 36 Completed 0.23246 0.2250 NaN Not available True 640.0 659.0 0.0 1.0000 0 0
3055 36 Chargedoff 0.17722 0.1700 NaN Self-employed True 700.0 719.0 0.0 1.0000 2 0
3151 36 Completed 0.10638 0.0890 NaN Full-time False 780.0 799.0 0.0 1.0000 0 0
3152 36 Current 0.29486 0.2561 6.0 Not employed True 720.0 739.0 0.0 1.0000 0 0
3362 36 Defaulted 0.15629 0.1420 NaN Self-employed False 680.0 699.0 0.0 1.0000 0 0
3441 36 Defaulted 0.10993 0.1030 NaN Full-time False 620.0 639.0 0.0 1.0000 3 2
3452 36 Chargedoff 0.07147 0.0510 NaN Not employed False 600.0 619.0 0.0 1.0000 0 0
3514 36 Completed 0.33593 0.3200 NaN Full-time False 680.0 699.0 0.0 1.0000 1 1
3574 36 Current 0.27060 0.2324 2.0 Not employed True 660.0 679.0 0.0 1.0000 0 1
3645 36 Chargedoff 0.35643 0.3199 4.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
3745 36 Current 0.24758 0.2099 7.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
3780 36 Current 0.29510 0.2599 5.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
3852 36 Current 0.35797 0.3177 4.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
3959 36 Completed 0.15629 0.1420 NaN Self-employed False 700.0 719.0 0.0 1.0000 0 0
3967 36 Completed 0.35356 0.3134 2.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
3979 36 Completed 0.36884 0.3444 8.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
4062 36 Completed 0.35930 0.3350 5.0 Full-time False 660.0 679.0 0.0 1.0000 0 0
4117 36 Completed 0.25707 0.2495 NaN Self-employed False 760.0 779.0 0.0 1.0000 0 0
4195 36 Completed 0.24246 0.2049 7.0 Not employed True 780.0 799.0 0.0 1.0000 0 0
4260 60 Current 0.28930 0.2632 4.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
4519 36 Completed 0.32378 0.3000 NaN Full-time False 560.0 579.0 0.0 1.0000 0 0
4637 36 Chargedoff 0.24246 0.2049 7.0 Not employed False 780.0 799.0 0.0 1.0000 0 0
4818 60 Completed 0.35838 0.3304 2.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
4836 36 Completed 0.15428 0.1400 NaN Full-time False 700.0 719.0 0.0 1.0000 1 0
4885 36 Completed 0.17072 0.1700 NaN Full-time True 700.0 719.0 0.0 1.0000 1 1
4892 36 Chargedoff 0.35797 0.3177 4.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
5030 36 Completed 0.16497 0.1500 NaN NaN False 680.0 699.0 0.0 1.0000 0 0
5054 36 Defaulted 0.24753 0.2400 NaN Not available False 620.0 639.0 0.0 1.0000 0 0
5092 36 Defaulted 0.19700 0.1897 NaN Retired True 760.0 779.0 0.0 1.0000 0 0
5146 36 Completed 0.26681 0.2287 2.0 Employed True 680.0 699.0 0.0 1.0000 0 0
5169 36 Completed 0.37453 0.3500 NaN Full-time False 540.0 559.0 0.0 1.0000 0 0
5212 36 Current 0.18173 0.1599 8.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
5479 36 Chargedoff 0.35132 0.3149 4.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
5535 36 Current 0.24758 0.2099 7.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
5769 36 Completed 0.09869 0.0918 NaN Self-employed False 800.0 819.0 0.0 1.0000 1 1
5898 36 Chargedoff 0.16717 0.1600 NaN Self-employed True 680.0 699.0 0.0 1.0000 1 0
5931 36 Current 0.35132 0.3149 4.0 Not employed True 720.0 739.0 0.0 1.0000 0 0
6095 60 Current 0.17849 0.1551 8.0 Not employed False 780.0 799.0 0.0 1.0000 0 0
6150 60 Past Due 0.27462 0.2489 6.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
6262 36 Chargedoff 0.23851 0.2235 NaN Self-employed True 720.0 739.0 0.0 1.0000 1 0
6482 60 Past Due 0.32989 0.3027 7.0 Not employed True 700.0 719.0 0.0 1.0000 0 0
6658 36 Chargedoff 0.18756 0.1730 NaN Part-time False 700.0 719.0 0.0 1.0000 0 0
7024 36 Completed 0.11446 0.0970 NaN Full-time False 720.0 739.0 0.0 1.0000 0 0
7060 36 Current 0.35356 0.3134 3.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
7190 36 Chargedoff 0.14699 0.1399 NaN Self-employed True 720.0 739.0 0.0 1.0000 0 0
7234 36 Current 0.35797 0.3177 4.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
7278 36 Completed 0.12106 0.1000 NaN Full-time False 620.0 639.0 0.0 1.0000 0 0
7307 36 Completed 0.36438 0.3400 NaN Self-employed False 520.0 539.0 0.0 1.0000 0 0
7311 36 Chargedoff 0.35643 0.3199 2.0 Not employed True 720.0 739.0 0.0 1.0000 0 0
7388 36 Current 0.35797 0.3177 5.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
7481 36 Completed 0.36623 0.3500 NaN Part-time False 680.0 699.0 0.0 1.0000 0 0
7593 36 Chargedoff 0.35372 0.3295 NaN Self-employed False 660.0 679.0 0.0 1.0000 0 0
7657 36 Chargedoff 0.33553 0.2958 6.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
7702 36 Completed 0.12188 0.1149 NaN Full-time False 760.0 779.0 0.0 1.0000 0 0
7788 36 Completed 0.35132 0.3149 4.0 Self-employed False 760.0 779.0 0.0 1.0000 0 0
7847 60 Chargedoff 0.27462 0.2489 7.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
7978 36 Completed 0.26403 0.2411 NaN Part-time False 660.0 679.0 0.0 1.0000 0 0
8028 36 Current 0.30532 0.2699 7.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
8067 36 Chargedoff 0.38723 0.3500 4.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
8118 36 Current 0.25259 0.2148 7.0 Not employed False 780.0 799.0 0.0 1.0000 0 0
8165 36 Completed 0.17199 0.1648 NaN Self-employed True 700.0 719.0 0.0 1.0000 0 0
8255 36 Completed 0.22226 0.1999 NaN Full-time True 620.0 639.0 0.0 1.0000 0 0
8420 36 Chargedoff 0.30532 0.2699 5.0 Not employed True 740.0 759.0 0.0 1.0000 0 0
8441 36 Completed 0.09889 0.0920 NaN Full-time True 840.0 859.0 0.0 1.0000 0 0
8645 36 Chargedoff 0.09069 0.0700 NaN Self-employed False 600.0 619.0 0.0 1.0000 0 1
8729 36 Completed 0.13663 0.1225 NaN Not employed True 680.0 699.0 0.0 1.0000 0 0
8764 36 Defaulted 0.17575 0.1540 NaN Self-employed True 620.0 639.0 0.0 1.0000 1 0
8886 36 Current 0.35643 0.3199 5.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
9171 36 Completed 0.36438 0.3400 NaN Full-time True 600.0 619.0 0.0 1.0000 0 0
9411 60 Completed 0.14766 0.1296 8.0 Not employed False 760.0 779.0 0.0 1.0000 0 0
9454 36 Completed 0.12877 0.1200 NaN Not available True 680.0 699.0 0.0 1.0000 0 0
9509 36 Completed 0.33393 0.3100 NaN Full-time False 540.0 559.0 0.0 1.0000 0 0
9524 60 Completed 0.20358 0.1845 6.0 Not employed True 760.0 779.0 0.0 1.0000 0 0
9621 36 Completed 0.16436 0.1500 NaN Self-employed False 740.0 759.0 0.0 1.0000 0 0
9629 36 Current 0.35643 0.3199 4.0 Not employed True 680.0 699.0 0.0 1.0000 0 0
9675 36 Completed 0.22237 0.2000 NaN Not employed False 660.0 679.0 0.0 1.0000 0 0
9714 36 Current 0.35356 0.3134 2.0 Not employed True 720.0 739.0 0.0 1.0000 0 0
9812 36 Current 0.35356 0.3134 3.0 Not employed True 720.0 739.0 0.0 1.0000 0 0
9832 36 Completed 0.22868 0.2100 NaN NaN True 500.0 519.0 0.0 1.0000 0 0
9848 36 Completed 0.18183 0.1600 NaN Self-employed True 600.0 619.0 0.0 1.0000 0 0
10002 36 Completed 0.29776 0.2900 NaN Not available False 580.0 599.0 0.0 1.0000 0 0
10062 36 Current 0.35643 0.3199 4.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
10114 36 Current 0.35797 0.3177 3.0 Not employed True 740.0 759.0 0.0 1.0000 0 0
10160 36 Completed 0.17297 0.1549 NaN Full-time False 700.0 719.0 0.0 1.0000 0 0
10280 36 Current 0.25259 0.2148 7.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
10377 36 Chargedoff 0.35797 0.3177 4.0 Not employed True 700.0 719.0 0.0 1.0000 0 0
10431 36 Completed 0.09568 0.0888 NaN Not employed False 760.0 779.0 0.0 1.0000 0 0
10495 36 Current 0.21945 0.1824 7.0 Not employed False 700.0 719.0 0.0 0.9958 0 0
10565 36 Completed 0.17072 0.1700 NaN Self-employed False 680.0 699.0 0.0 1.0000 4 3
10697 36 Completed 0.11334 0.0994 NaN Part-time False 720.0 739.0 0.0 1.0000 1 1
10711 36 Completed 0.31573 0.3000 NaN Not employed True 740.0 759.0 0.0 1.0000 0 0
10759 36 Completed 0.20920 0.2000 NaN NaN False 640.0 659.0 0.0 1.0000 0 0
10807 60 Current 0.17849 0.1551 9.0 Not employed False 780.0 799.0 0.0 1.0000 0 0
10959 36 Completed 0.25278 0.2300 NaN Full-time False 660.0 679.0 0.0 1.0000 0 0
11002 36 Completed 0.16436 0.1500 NaN Self-employed True 700.0 719.0 0.0 1.0000 0 0
11023 36 Completed 0.24246 0.2049 7.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
11097 36 Completed 0.20835 0.2010 NaN Full-time False 680.0 699.0 0.0 1.0000 2 2
11188 36 Completed 0.19703 0.1750 NaN Not employed False 640.0 659.0 0.0 1.0000 0 0
11277 36 Completed 0.24502 0.2375 NaN NaN False NaN NaN 0.0 1.0000 0 0
11473 36 Completed 0.35858 0.3220 5.0 Not employed True 700.0 719.0 0.0 1.0000 0 0
11528 36 Completed 0.16717 0.1600 NaN Self-employed False 700.0 719.0 0.0 1.0000 0 0
11599 36 Completed 0.17705 0.1650 NaN Not available False 600.0 619.0 0.0 1.0000 0 0
11827 60 Completed 0.26528 0.2398 6.0 Not employed False 800.0 819.0 0.0 0.7395 0 0
11856 36 Completed 0.29510 0.2599 6.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
11857 36 Chargedoff 0.21636 0.1790 9.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
11911 36 Completed 0.10943 0.1025 NaN Self-employed True 780.0 799.0 0.0 1.0000 0 0
11968 36 Chargedoff 0.35643 0.3199 4.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
11987 36 Completed 0.25556 0.2480 NaN Self-employed False 760.0 779.0 0.0 1.0000 0 0
11991 60 Current 0.23656 0.2118 4.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
12008 60 Completed 0.19907 0.1752 6.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
12084 36 Completed 0.29309 0.2340 NaN Full-time False 660.0 679.0 0.0 1.0000 0 0
12130 36 Defaulted 0.36623 0.3500 NaN Self-employed True 700.0 719.0 0.0 1.0000 0 0
12262 36 Completed 0.35797 0.3177 4.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
12306 36 Completed 0.15462 0.1475 NaN Full-time True 680.0 699.0 0.0 1.0000 0 0
12342 36 Completed 0.30532 0.2699 6.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
12474 36 Completed 0.22489 0.2100 NaN Self-employed True 740.0 759.0 0.0 1.0000 1 0
12485 36 Chargedoff 0.28339 0.2449 7.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
12511 36 Completed 0.15629 0.1420 NaN Full-time True 700.0 719.0 0.0 1.0000 0 0
12523 36 Chargedoff 0.27467 0.2399 5.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
12539 12 Completed 0.35843 0.2669 3.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
12628 36 Current 0.34793 0.3079 3.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
12858 60 Chargedoff 0.26528 0.2398 7.0 Not employed True 760.0 779.0 0.0 1.0000 0 0
12922 36 Completed 0.35643 0.3199 5.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
13097 36 Completed 0.13411 0.1200 NaN Self-employed False 720.0 739.0 0.0 1.0000 0 0
13119 36 Defaulted 0.36306 0.3387 NaN Full-time True 600.0 619.0 0.0 1.0000 0 0
13125 60 Chargedoff 0.32989 0.3027 7.0 Not employed True 800.0 819.0 0.0 1.0000 0 0
13229 36 Chargedoff 0.35797 0.3177 3.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
13301 36 Completed 0.23757 0.2150 NaN Full-time False 660.0 679.0 0.0 1.0000 0 0
13392 36 Current 0.35643 0.3199 2.0 Not employed False 780.0 799.0 0.0 0.7784 0 0
13429 36 Completed 0.12511 0.1040 8.0 Not employed False 760.0 779.0 0.0 1.0000 0 0
13620 36 Chargedoff 0.28349 0.2758 NaN Full-time True 660.0 679.0 0.0 1.0000 0 0
13867 36 Chargedoff 0.35643 0.3199 5.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
13946 36 Chargedoff 0.35797 0.3177 2.0 Not employed True 720.0 739.0 0.0 1.0000 0 0
13964 36 Completed 0.10080 0.0939 NaN Full-time False 760.0 779.0 0.0 1.0000 1 0
14019 36 Past Due 0.35356 0.3134 4.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
14033 36 Chargedoff 0.21025 0.1734 4.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
14041 60 Current 0.27462 0.2489 7.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
14054 36 Completed 0.37199 0.3475 NaN Not employed False 520.0 539.0 0.0 1.0000 0 0
14250 36 Completed 0.17415 0.1597 NaN Full-time False 720.0 739.0 0.0 1.0000 0 0
14262 36 Chargedoff 0.12700 0.1200 NaN Full-time True 760.0 779.0 0.0 1.0000 0 0
14604 36 Current 0.35797 0.3177 4.0 Not employed True 700.0 719.0 0.0 1.0000 0 0
14648 36 Defaulted 0.12951 0.1225 NaN Self-employed False 760.0 779.0 0.0 1.0000 0 0
14671 36 Chargedoff 0.28974 0.2511 6.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
14681 36 Completed 0.20219 0.1875 NaN Full-time False 680.0 699.0 0.0 1.0000 2 2
14710 60 Current 0.31375 0.2870 5.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
14716 36 Completed 0.05672 0.0500 NaN Full-time False 780.0 799.0 0.0 1.0000 39 33
14801 36 Chargedoff 0.35797 0.3177 5.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
14924 60 Chargedoff 0.27462 0.2489 6.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
14943 36 Completed 0.17596 0.1542 NaN Self-employed False 640.0 659.0 0.0 1.0000 0 0
15033 36 Completed 0.21223 0.1900 NaN Full-time False 640.0 659.0 0.0 1.0000 0 1
15322 36 Completed 0.17722 0.1700 NaN Full-time False 680.0 699.0 0.0 1.0000 0 0
15456 36 Completed 0.22237 0.2000 NaN Not employed False 660.0 679.0 0.0 1.0000 0 0
15626 36 Defaulted 0.21237 0.2050 NaN Self-employed True 720.0 739.0 0.0 1.0000 0 0
15633 36 Completed 0.15418 0.1399 NaN Full-time False 680.0 699.0 0.0 1.0000 0 0
15682 36 Defaulted 0.22767 0.2090 NaN Not available False 500.0 519.0 0.0 1.0000 0 0
15700 36 Completed 0.14540 0.1312 NaN Not employed False 720.0 739.0 0.0 1.0000 0 0
15719 36 Completed 0.25261 0.2400 NaN Not available True 540.0 559.0 0.0 1.0000 0 0
15740 36 Past Due 0.35356 0.3134 2.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
15766 60 Chargedoff 0.28704 0.2610 5.0 Not employed False 620.0 639.0 0.0 1.0000 0 0
15777 36 Chargedoff 0.16436 0.1500 NaN Full-time False 540.0 559.0 0.0 1.0000 0 0
15861 36 Chargedoff 0.29486 0.2561 5.0 Self-employed True 800.0 819.0 0.0 1.0000 0 0
15893 36 Defaulted 0.26292 0.2400 NaN Not employed True 640.0 659.0 0.0 1.0000 2 0
16114 36 Completed 0.12700 0.1200 NaN Not employed True 720.0 739.0 0.0 1.0000 1 1
16145 60 Current 0.35838 0.3304 2.0 Not employed False 620.0 639.0 0.0 1.0000 0 0
16230 36 Completed 0.11041 0.0965 NaN Retired False 740.0 759.0 0.0 1.0000 0 0
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110742 36 Completed 0.29334 0.2700 NaN Not employed True 660.0 679.0 0.0 1.0000 0 0
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112240 36 Completed 0.15713 0.1500 NaN Self-employed True 720.0 739.0 0.0 1.0000 0 0
112252 36 Completed 0.27306 0.2500 NaN Full-time False 560.0 579.0 0.0 1.0000 0 0
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113803 36 Defaulted 0.11293 0.0990 NaN Self-employed True 680.0 699.0 0.0 1.0000 0 0

1393 rows × 13 columns

Out[29]:
Term LoanStatus BorrowerAPR BorrowerRate ProsperScore EmploymentStatus IsBorrowerHomeowner CreditScoreRangeLower CreditScoreRangeUpper StatedMonthlyIncome PercentFunded Recommendations InvestmentFromFriendsCount
78 36 Chargedoff 0.18454 0.1700 NaN Full-time True 720.0 739.0 0.0 1.0000 0 0
100 36 Chargedoff 0.35356 0.3134 3.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
108 36 Completed 0.28320 0.2600 NaN Full-time False 640.0 659.0 0.0 1.0000 0 0
125 36 Current 0.35643 0.3199 5.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
170 36 Completed 0.28851 0.2499 5.0 Not employed True 760.0 779.0 0.0 1.0000 0 0
186 36 Chargedoff 0.35797 0.3177 5.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
332 36 Cancelled 0.25650 0.2375 NaN NaN True 520.0 539.0 0.0 1.0000 0 0
335 36 Completed 0.35797 0.3177 3.0 Not employed False 760.0 779.0 0.0 1.0000 0 0
688 36 Completed 0.30532 0.2699 7.0 Not employed False 720.0 739.0 0.0 1.0000 0 1
772 36 Completed 0.10491 0.0980 NaN Full-time True 820.0 839.0 0.0 1.0000 0 0
917 36 Completed 0.15713 0.1500 NaN Not available True 720.0 739.0 0.0 1.0000 0 0
948 36 Completed 0.14770 0.1299 NaN Not available True 660.0 679.0 0.0 1.0000 0 0
954 36 Completed 0.27767 0.2700 NaN Full-time False 660.0 679.0 0.0 1.0000 0 0
973 12 Completed 0.30461 0.2254 6.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
988 36 Completed 0.38443 0.3220 5.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
1014 36 Current 0.24758 0.2099 6.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
1157 36 Completed 0.12500 0.1180 NaN Not employed False 720.0 739.0 0.0 1.0000 1 1
1314 36 Current 0.31032 0.2712 2.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
1346 36 Completed 0.37036 0.3500 NaN Self-employed False 520.0 539.0 0.0 1.0000 0 0
1478 36 Chargedoff 0.19730 0.1900 NaN Self-employed False 800.0 819.0 0.0 1.0000 0 0
1521 36 Chargedoff 0.14132 0.1200 NaN Not employed True 540.0 559.0 0.0 1.0000 0 0
1529 60 Past Due 0.27462 0.2489 7.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
1557 36 Current 0.35356 0.3134 4.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
1773 60 Current 0.24702 0.2220 3.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
1790 36 Chargedoff 0.37453 0.3500 NaN Self-employed True 520.0 539.0 0.0 1.0000 0 0
1822 36 Completed 0.16991 0.1555 NaN Full-time True 580.0 599.0 0.0 1.0000 0 0
1829 36 Current 0.35132 0.3149 4.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
1844 36 Completed 0.09436 0.0800 NaN NaN False NaN NaN 0.0 1.0000 0 0
1926 36 Chargedoff 0.30218 0.2900 NaN Full-time True 560.0 579.0 0.0 1.0000 0 0
2064 36 Completed 0.15428 0.1400 NaN Full-time False 700.0 719.0 0.0 1.0000 0 0
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2547 36 Completed 0.20412 0.1820 NaN Full-time False 520.0 539.0 0.0 1.0000 0 0
2583 36 Completed 0.29776 0.2900 NaN Self-employed True 680.0 699.0 0.0 1.0000 1 0
2696 36 Chargedoff 0.15629 0.1420 NaN Full-time True 700.0 719.0 0.0 1.0000 0 0
2871 36 Chargedoff 0.16115 0.1540 NaN Self-employed False 780.0 799.0 0.0 1.0000 0 0
2909 36 Current 0.27060 0.2324 5.0 Not employed True 800.0 819.0 0.0 1.0000 0 0
2967 36 Chargedoff 0.30469 0.2969 NaN Full-time True 640.0 659.0 0.0 1.0000 0 0
2985 36 Completed 0.23246 0.2250 NaN Not available True 640.0 659.0 0.0 1.0000 0 0
3055 36 Chargedoff 0.17722 0.1700 NaN Self-employed True 700.0 719.0 0.0 1.0000 2 0
3151 36 Completed 0.10638 0.0890 NaN Full-time False 780.0 799.0 0.0 1.0000 0 0
3152 36 Current 0.29486 0.2561 6.0 Not employed True 720.0 739.0 0.0 1.0000 0 0
3362 36 Defaulted 0.15629 0.1420 NaN Self-employed False 680.0 699.0 0.0 1.0000 0 0
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3452 36 Chargedoff 0.07147 0.0510 NaN Not employed False 600.0 619.0 0.0 1.0000 0 0
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3645 36 Chargedoff 0.35643 0.3199 4.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
3745 36 Current 0.24758 0.2099 7.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
3780 36 Current 0.29510 0.2599 5.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
3852 36 Current 0.35797 0.3177 4.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
3959 36 Completed 0.15629 0.1420 NaN Self-employed False 700.0 719.0 0.0 1.0000 0 0
3967 36 Completed 0.35356 0.3134 2.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
3979 36 Completed 0.36884 0.3444 8.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
4062 36 Completed 0.35930 0.3350 5.0 Full-time False 660.0 679.0 0.0 1.0000 0 0
4117 36 Completed 0.25707 0.2495 NaN Self-employed False 760.0 779.0 0.0 1.0000 0 0
4195 36 Completed 0.24246 0.2049 7.0 Not employed True 780.0 799.0 0.0 1.0000 0 0
4260 60 Current 0.28930 0.2632 4.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
4519 36 Completed 0.32378 0.3000 NaN Full-time False 560.0 579.0 0.0 1.0000 0 0
4637 36 Chargedoff 0.24246 0.2049 7.0 Not employed False 780.0 799.0 0.0 1.0000 0 0
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5169 36 Completed 0.37453 0.3500 NaN Full-time False 540.0 559.0 0.0 1.0000 0 0
5212 36 Current 0.18173 0.1599 8.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
5479 36 Chargedoff 0.35132 0.3149 4.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
5535 36 Current 0.24758 0.2099 7.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
5769 36 Completed 0.09869 0.0918 NaN Self-employed False 800.0 819.0 0.0 1.0000 1 1
5898 36 Chargedoff 0.16717 0.1600 NaN Self-employed True 680.0 699.0 0.0 1.0000 1 0
5931 36 Current 0.35132 0.3149 4.0 Not employed True 720.0 739.0 0.0 1.0000 0 0
6095 60 Current 0.17849 0.1551 8.0 Not employed False 780.0 799.0 0.0 1.0000 0 0
6150 60 Past Due 0.27462 0.2489 6.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
6262 36 Chargedoff 0.23851 0.2235 NaN Self-employed True 720.0 739.0 0.0 1.0000 1 0
6482 60 Past Due 0.32989 0.3027 7.0 Not employed True 700.0 719.0 0.0 1.0000 0 0
6658 36 Chargedoff 0.18756 0.1730 NaN Part-time False 700.0 719.0 0.0 1.0000 0 0
7024 36 Completed 0.11446 0.0970 NaN Full-time False 720.0 739.0 0.0 1.0000 0 0
7060 36 Current 0.35356 0.3134 3.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
7190 36 Chargedoff 0.14699 0.1399 NaN Self-employed True 720.0 739.0 0.0 1.0000 0 0
7234 36 Current 0.35797 0.3177 4.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
7278 36 Completed 0.12106 0.1000 NaN Full-time False 620.0 639.0 0.0 1.0000 0 0
7307 36 Completed 0.36438 0.3400 NaN Self-employed False 520.0 539.0 0.0 1.0000 0 0
7311 36 Chargedoff 0.35643 0.3199 2.0 Not employed True 720.0 739.0 0.0 1.0000 0 0
7388 36 Current 0.35797 0.3177 5.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
7481 36 Completed 0.36623 0.3500 NaN Part-time False 680.0 699.0 0.0 1.0000 0 0
7593 36 Chargedoff 0.35372 0.3295 NaN Self-employed False 660.0 679.0 0.0 1.0000 0 0
7657 36 Chargedoff 0.33553 0.2958 6.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
7702 36 Completed 0.12188 0.1149 NaN Full-time False 760.0 779.0 0.0 1.0000 0 0
7788 36 Completed 0.35132 0.3149 4.0 Self-employed False 760.0 779.0 0.0 1.0000 0 0
7847 60 Chargedoff 0.27462 0.2489 7.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
7978 36 Completed 0.26403 0.2411 NaN Part-time False 660.0 679.0 0.0 1.0000 0 0
8028 36 Current 0.30532 0.2699 7.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
8067 36 Chargedoff 0.38723 0.3500 4.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
8118 36 Current 0.25259 0.2148 7.0 Not employed False 780.0 799.0 0.0 1.0000 0 0
8165 36 Completed 0.17199 0.1648 NaN Self-employed True 700.0 719.0 0.0 1.0000 0 0
8255 36 Completed 0.22226 0.1999 NaN Full-time True 620.0 639.0 0.0 1.0000 0 0
8420 36 Chargedoff 0.30532 0.2699 5.0 Not employed True 740.0 759.0 0.0 1.0000 0 0
8441 36 Completed 0.09889 0.0920 NaN Full-time True 840.0 859.0 0.0 1.0000 0 0
8645 36 Chargedoff 0.09069 0.0700 NaN Self-employed False 600.0 619.0 0.0 1.0000 0 1
8729 36 Completed 0.13663 0.1225 NaN Not employed True 680.0 699.0 0.0 1.0000 0 0
8764 36 Defaulted 0.17575 0.1540 NaN Self-employed True 620.0 639.0 0.0 1.0000 1 0
8886 36 Current 0.35643 0.3199 5.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
9171 36 Completed 0.36438 0.3400 NaN Full-time True 600.0 619.0 0.0 1.0000 0 0
9411 60 Completed 0.14766 0.1296 8.0 Not employed False 760.0 779.0 0.0 1.0000 0 0
9454 36 Completed 0.12877 0.1200 NaN Not available True 680.0 699.0 0.0 1.0000 0 0
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98746 36 Completed 0.22237 0.2000 NaN Self-employed False 640.0 659.0 0.0 1.0000 0 0
98855 36 Past Due 0.23990 0.2024 4.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
98860 36 Completed 0.13142 0.1244 NaN Full-time False 680.0 699.0 0.0 1.0000 1 1
99283 60 Current 0.34408 0.3165 6.0 Not employed False 660.0 679.0 0.0 0.9178 0 0
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99546 36 Completed 0.30856 0.2850 NaN Self-employed False 580.0 599.0 0.0 1.0000 0 0
99586 36 Chargedoff 0.17722 0.1700 NaN Self-employed True 780.0 799.0 0.0 1.0000 0 0
99819 36 Chargedoff 0.39153 0.3500 5.0 Self-employed False 660.0 679.0 0.0 1.0000 1 0
99911 36 Past Due 0.35797 0.3177 4.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
99921 36 Chargedoff 0.15932 0.1450 NaN Full-time False 700.0 719.0 0.0 1.0000 0 0
100069 36 Completed 0.29689 0.2735 NaN Self-employed True 620.0 639.0 0.0 1.0000 1 0
100129 36 Completed 0.08684 0.0800 NaN Full-time True 840.0 859.0 0.0 1.0000 0 0
100136 36 Defaulted 0.16968 0.1625 NaN NaN False NaN NaN 0.0 1.0000 0 0
100181 36 Completed 0.17722 0.1700 NaN Full-time True 780.0 799.0 0.0 1.0000 0 0
100248 36 Chargedoff 0.25903 0.2400 NaN Not employed False 520.0 539.0 0.0 1.0000 1 1
100301 36 Current 0.33553 0.2958 6.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
100316 36 Completed 0.25836 0.2355 8.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
100461 36 Chargedoff 0.21609 0.2087 NaN Self-employed True 780.0 799.0 0.0 1.0000 0 0
100535 36 Current 0.25259 0.2148 7.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
100541 36 Completed 0.17270 0.1655 NaN Self-employed False 760.0 779.0 0.0 1.0000 1 1
100563 36 Current 0.35356 0.3134 6.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
100573 36 Chargedoff 0.16386 0.1495 NaN Self-employed True 740.0 759.0 0.0 1.0000 0 0
100689 36 Completed 0.14528 0.1275 NaN Self-employed False 680.0 699.0 0.0 1.0000 0 0
100700 36 Completed 0.21342 0.1799 8.0 Not employed True 680.0 699.0 0.0 1.0000 0 0
100711 36 Current 0.18316 0.1469 6.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
100799 36 Completed 0.33553 0.2958 6.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
100871 60 Current 0.32989 0.3027 5.0 Not employed True 800.0 819.0 0.0 1.0000 0 0
101020 36 Current 0.35797 0.3177 5.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
101139 36 Completed 0.28488 0.2499 5.0 Full-time False 720.0 739.0 0.0 1.0000 0 0
101196 36 Completed 0.37453 0.3500 NaN Full-time False 580.0 599.0 0.0 1.0000 1 1
101274 36 Current 0.35356 0.3134 9.0 Not employed False 760.0 779.0 0.0 1.0000 0 0
101445 36 Completed 0.18696 0.1797 NaN Part-time False 760.0 779.0 0.0 1.0000 0 0
101468 36 Completed 0.35797 0.3177 4.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
101590 36 Chargedoff 0.11194 0.1050 NaN Self-employed True 820.0 839.0 0.0 1.0000 0 0
101642 36 Defaulted 0.06698 0.0500 NaN Not available False 480.0 499.0 0.0 1.0000 0 0
101693 36 Completed 0.14419 0.1300 NaN Full-time False 740.0 759.0 0.0 1.0000 0 0
101729 36 Chargedoff 0.37453 0.3500 NaN Full-time False 600.0 619.0 0.0 1.0000 0 0
101767 36 Current 0.22872 0.1949 7.0 Not employed True 840.0 859.0 0.0 1.0000 0 0
101851 60 Current 0.15936 0.1364 9.0 Not employed False 780.0 799.0 0.0 1.0000 0 0
101886 36 Current 0.35356 0.3134 3.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
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101993 36 Current 0.35797 0.3177 3.0 Not employed True 700.0 719.0 0.0 1.0000 0 0
102307 36 Chargedoff 0.24246 0.2049 7.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
102363 36 Chargedoff 0.18294 0.1757 NaN Full-time True 780.0 799.0 0.0 1.0000 0 0
102370 36 Completed 0.39275 0.3300 5.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
102535 36 Chargedoff 0.14709 0.1400 NaN Self-employed False 760.0 779.0 0.0 1.0000 0 0
102562 60 Completed 0.27462 0.2489 7.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
102644 36 Completed 0.14679 0.1290 NaN Not employed False 700.0 719.0 0.0 1.0000 0 0
102711 36 Chargedoff 0.29776 0.2900 NaN Self-employed False 680.0 699.0 0.0 1.0000 0 0
102756 36 Current 0.23121 0.1939 4.0 Not employed True 680.0 699.0 0.0 1.0000 0 0
102855 36 Current 0.18316 0.1469 7.0 Employed False 720.0 739.0 0.0 1.0000 0 0
102962 36 Completed 0.17511 0.1679 NaN Self-employed True 700.0 719.0 0.0 1.0000 1 0
102968 36 Completed 0.30126 0.2778 NaN Self-employed True 660.0 679.0 0.0 1.0000 0 0
102975 60 Current 0.15936 0.1364 8.0 Not employed False 800.0 819.0 0.0 1.0000 0 0
102994 36 Chargedoff 0.15713 0.1500 NaN Self-employed False 720.0 739.0 0.0 1.0000 0 0
103281 60 Current 0.27554 0.2498 7.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
103335 36 Chargedoff 0.26018 0.2373 NaN Full-time False 660.0 679.0 0.0 1.0000 0 0
103494 36 Completed 0.16947 0.1478 NaN Full-time False 600.0 619.0 0.0 1.0000 0 0
103644 36 Past Due 0.29486 0.2561 7.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
103667 36 Defaulted 0.16717 0.1600 NaN Self-employed True 720.0 739.0 0.0 1.0000 0 0
103720 36 Chargedoff 0.17445 0.1600 NaN Self-employed True 700.0 719.0 0.0 1.0000 0 0
103755 60 Completed 0.27246 0.2468 7.0 Not employed True 760.0 779.0 0.0 1.0000 0 0
103814 36 Chargedoff 0.21318 0.1900 8.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
103827 36 Chargedoff 0.25259 0.2148 6.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
104151 36 Current 0.33286 0.2932 4.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
104211 36 Chargedoff 0.16436 0.1500 NaN Self-employed True 700.0 719.0 0.0 1.0000 1 0
104296 36 Completed 0.35797 0.3177 4.0 Not employed True 740.0 759.0 0.0 1.0000 0 0
104383 36 Chargedoff 0.28974 0.2511 5.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
104466 36 Defaulted 0.22429 0.2094 NaN Full-time False 680.0 699.0 0.0 1.0000 0 0
104574 36 Completed 0.27467 0.2399 5.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
104729 36 Current 0.24758 0.2099 7.0 Not employed False 760.0 779.0 0.0 1.0000 0 0
104740 36 Completed 0.08718 0.0700 NaN Full-time True 800.0 819.0 0.0 1.0000 0 0
104792 36 Completed 0.17219 0.1650 NaN Full-time False 700.0 719.0 0.0 1.0000 1 1
104817 36 Completed 0.13119 0.1100 9.0 Not employed True 720.0 739.0 0.0 1.0000 0 0
104831 36 Completed 0.10742 0.1005 NaN Full-time True 780.0 799.0 0.0 1.0000 0 0
104849 36 Completed 0.13705 0.1300 NaN Full-time False 620.0 639.0 0.0 1.0000 0 0
104969 36 Chargedoff 0.29510 0.2599 6.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
105166 60 Completed 0.23718 0.2124 8.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
105171 36 Completed 0.23595 0.2134 NaN Full-time True 640.0 659.0 0.0 1.0000 0 0
105180 36 Completed 0.33000 0.2900 6.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
105202 36 Current 0.24758 0.2099 7.0 Not employed True 780.0 799.0 0.0 1.0000 0 0
105333 36 Chargedoff 0.35797 0.3177 5.0 Self-employed False 720.0 739.0 0.0 1.0000 0 0
105400 36 Completed 0.10692 0.1000 NaN Self-employed True 840.0 859.0 0.0 1.0000 1 2
105455 60 Defaulted 0.32989 0.3027 7.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
105501 36 Completed 0.21558 0.1933 NaN Full-time False 600.0 619.0 0.0 1.0000 0 0
105519 36 Defaulted 0.35797 0.3177 5.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
105581 36 Completed 0.11545 0.1015 NaN Part-time False 720.0 739.0 0.0 1.0000 0 0
105696 36 Completed 0.11696 0.1100 NaN Part-time True 760.0 779.0 0.0 1.0000 0 0
105706 36 Completed 0.34731 0.3073 3.0 Not employed False 620.0 639.0 0.0 1.0000 0 0
105790 36 Completed 0.08718 0.0700 NaN Self-employed True 800.0 819.0 0.0 1.0000 1 0
105802 60 Current 0.27462 0.2489 7.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
105810 36 Past Due 0.35356 0.3134 4.0 Self-employed False 620.0 639.0 0.0 1.0000 0 0
105892 36 Current 0.33286 0.2932 2.0 Not employed True 660.0 679.0 0.0 1.0000 0 0
105932 60 Chargedoff 0.20358 0.1845 8.0 Not employed False 760.0 779.0 0.0 1.0000 0 0
105980 36 Current 0.35797 0.3177 6.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
106084 36 Completed 0.19108 0.1621 8.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
106121 36 Completed 0.18487 0.1630 NaN Full-time False 600.0 619.0 0.0 1.0000 2 2
106134 36 Chargedoff 0.18625 0.1790 NaN Full-time True 640.0 659.0 0.0 1.0000 0 0
106142 36 Completed 0.31475 0.2911 NaN Full-time False 620.0 639.0 0.0 1.0000 0 0
106173 36 Chargedoff 0.18173 0.1599 8.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
106230 36 Defaulted 0.19730 0.1900 NaN Not employed False 640.0 659.0 0.0 1.0000 0 0
106246 36 Completed 0.37453 0.3500 NaN Self-employed False 640.0 659.0 0.0 1.0000 1 1
106340 36 Chargedoff 0.25707 0.2495 NaN Self-employed True 800.0 819.0 0.0 1.0000 0 0
106555 36 Defaulted 0.18726 0.1800 NaN Self-employed True 720.0 739.0 0.0 1.0000 0 0
106692 36 Chargedoff 0.35643 0.3199 4.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
106778 36 Chargedoff 0.35797 0.3177 3.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
106827 36 Completed 0.30532 0.2699 6.0 Not employed False 700.0 719.0 0.0 0.9365 0 0
106854 36 Completed 0.13705 0.1300 NaN Full-time True 700.0 719.0 0.0 1.0000 0 0
106887 36 Chargedoff 0.35797 0.3177 3.0 Not employed True 700.0 719.0 0.0 1.0000 0 0
106965 36 Chargedoff 0.35643 0.3199 5.0 Not employed True 680.0 699.0 0.0 1.0000 0 0
107143 36 Chargedoff 0.24649 0.2238 NaN Full-time False 600.0 619.0 0.0 1.0000 0 0
107190 36 Completed 0.17322 0.1515 8.0 Not employed False 760.0 779.0 0.0 1.0000 0 0
107382 36 Completed 0.35858 0.3220 6.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
107390 36 Chargedoff 0.14950 0.1424 NaN Self-employed True 820.0 839.0 0.0 1.0000 0 0
107491 36 Current 0.35643 0.3199 4.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
107496 36 Completed 0.13705 0.1300 NaN Part-time False 760.0 779.0 0.0 1.0000 0 0
107498 36 Completed 0.29510 0.2599 7.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
107633 36 Chargedoff 0.35643 0.3199 5.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
107638 36 Current 0.24246 0.2049 7.0 Not employed False 800.0 819.0 0.0 1.0000 0 0
107660 60 Current 0.27246 0.2468 7.0 Not employed True 680.0 699.0 0.0 1.0000 0 0
107797 36 Completed 0.17069 0.1490 8.0 Not employed False 760.0 779.0 0.0 1.0000 0 0
107858 36 Completed 0.35356 0.3134 2.0 Not employed False 780.0 799.0 0.0 1.0000 0 0
108033 36 Completed 0.30781 0.3000 NaN Not employed True 800.0 819.0 0.0 1.0000 0 0
108038 36 Defaulted 0.24753 0.2400 NaN Not available False 660.0 679.0 0.0 1.0000 0 0
108190 36 Completed 0.25278 0.2300 NaN Part-time True 640.0 659.0 0.0 1.0000 0 0
108281 36 Current 0.35643 0.3199 4.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
108360 12 Completed 0.28918 0.1900 6.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
108450 60 Chargedoff 0.25861 0.2333 6.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
108581 36 Past Due 0.24758 0.2099 7.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
108588 36 Completed 0.14458 0.1375 NaN Not employed False 720.0 739.0 0.0 1.0000 0 0
108604 36 Current 0.19645 0.1599 4.0 Not employed True 740.0 759.0 0.0 1.0000 0 0
108733 36 Chargedoff 0.28851 0.2499 5.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
108830 60 Current 0.27462 0.2489 6.0 Not employed True 780.0 799.0 0.0 1.0000 0 0
109009 36 Completed 0.19568 0.1800 NaN Full-time False 680.0 699.0 0.0 1.0000 1 1
109058 36 Completed 0.12769 0.1101 NaN Not employed False 740.0 759.0 0.0 1.0000 0 0
109297 36 Completed 0.31363 0.2900 NaN Self-employed False 640.0 659.0 0.0 1.0000 2 2
109307 36 Completed 0.26681 0.2287 3.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
109313 36 Completed 0.10656 0.0950 NaN Not available False 720.0 739.0 0.0 1.0000 0 0
109321 36 Defaulted 0.34603 0.3300 NaN Full-time True 720.0 739.0 0.0 1.0000 1 0
109346 36 Past Due 0.35797 0.3177 4.0 Not employed True 720.0 739.0 0.0 1.0000 0 0
109359 36 Chargedoff 0.29510 0.2599 7.0 Self-employed False 720.0 739.0 0.0 1.0000 0 0
109569 36 Completed 0.10345 0.1000 10.0 Not employed False 760.0 779.0 0.0 1.0000 0 0
109594 36 Current 0.35643 0.3199 5.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
109705 60 Completed 0.27554 0.2498 7.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
109808 36 Chargedoff 0.25259 0.2148 7.0 Not employed False 800.0 819.0 0.0 1.0000 0 0
109936 36 Completed 0.08182 0.0750 NaN Not employed False 760.0 779.0 0.0 1.0000 0 0
109981 36 Completed 0.13951 0.1329 NaN Self-employed False 720.0 739.0 0.0 1.0000 0 0
110011 36 Completed 0.17170 0.1500 NaN Full-time False 640.0 659.0 0.0 1.0000 0 0
110015 36 Chargedoff 0.37453 0.3500 NaN Self-employed False 620.0 639.0 0.0 1.0000 0 0
110107 36 Completed 0.35797 0.3177 5.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
110250 36 Defaulted 0.27306 0.2500 NaN Self-employed False 620.0 639.0 0.0 1.0000 1 0
110254 36 Completed 0.18958 0.1750 NaN Self-employed True 720.0 739.0 0.0 1.0000 0 0
110337 36 Completed 0.35643 0.3199 4.0 Not employed True 740.0 759.0 0.0 1.0000 0 0
110418 36 Completed 0.37453 0.3500 NaN Full-time False 640.0 659.0 0.0 1.0000 0 0
110488 36 Completed 0.24753 0.2400 NaN Not available True 540.0 559.0 0.0 1.0000 0 0
110628 36 Completed 0.17722 0.1700 NaN Self-employed False 760.0 779.0 0.0 1.0000 1 0
110648 36 Chargedoff 0.31308 0.2775 6.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
110712 36 Completed 0.24753 0.2400 NaN Full-time True 640.0 659.0 0.0 1.0000 1 1
110742 36 Completed 0.29334 0.2700 NaN Not employed True 660.0 679.0 0.0 1.0000 0 0
110754 36 Completed 0.35643 0.3199 4.0 Not employed True 660.0 679.0 0.0 1.0000 0 0
110772 60 Current 0.27246 0.2468 7.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
110816 36 Chargedoff 0.35797 0.3177 4.0 Not employed True 660.0 679.0 0.0 1.0000 0 0
110920 36 Completed 0.22388 0.2090 NaN Self-employed True 720.0 739.0 0.0 1.0000 0 0
111039 36 Completed 0.34976 0.3256 NaN Full-time True 660.0 679.0 0.0 1.0000 0 0
111047 36 Completed 0.29254 0.2574 5.0 Not employed False 620.0 639.0 0.0 1.0000 0 0
111064 36 Defaulted 0.35356 0.3134 9.0 Not employed False 780.0 799.0 0.0 1.0000 0 0
111116 60 Current 0.15752 0.1346 8.0 Not employed False 740.0 759.0 0.0 0.7706 0 0
111259 36 Current 0.35797 0.3177 4.0 Not employed False 780.0 799.0 0.0 1.0000 0 0
111272 36 Completed 0.20463 0.1825 9.0 Not employed True 720.0 739.0 0.0 1.0000 0 0
111280 36 Completed 0.11749 0.1000 NaN Not available False 740.0 759.0 0.0 1.0000 0 0
111310 36 Completed 0.35285 0.3127 3.0 Not employed True 700.0 719.0 0.0 1.0000 0 0
111347 60 Chargedoff 0.31375 0.2870 5.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
111503 36 Chargedoff 0.37453 0.3500 NaN Self-employed False 660.0 679.0 0.0 1.0000 0 0
111578 36 Chargedoff 0.40243 0.3500 4.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
111670 36 Current 0.33286 0.2932 4.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
111707 36 Completed 0.35090 0.3108 4.0 Not employed True 700.0 719.0 0.0 1.0000 0 0
111934 36 Completed 0.13705 0.1300 NaN Full-time False 700.0 719.0 0.0 1.0000 0 0
111974 36 Completed 0.28706 0.2638 8.0 Not employed False 680.0 699.0 0.0 1.0000 0 0
112052 36 Chargedoff 0.28974 0.2511 5.0 Not employed True 780.0 799.0 0.0 1.0000 0 0
112240 36 Completed 0.15713 0.1500 NaN Self-employed True 720.0 739.0 0.0 1.0000 0 0
112252 36 Completed 0.27306 0.2500 NaN Full-time False 560.0 579.0 0.0 1.0000 0 0
112330 36 Current 0.22742 0.1902 3.0 Not employed True 720.0 739.0 0.0 1.0000 0 0
112371 36 Current 0.35356 0.3134 4.0 Not employed True 700.0 719.0 0.0 1.0000 0 0
112374 36 Chargedoff 0.16988 0.1627 NaN Self-employed False 740.0 759.0 0.0 1.0000 0 0
112383 36 Defaulted 0.15522 0.1481 NaN Self-employed True 780.0 799.0 0.0 1.0000 0 0
112398 36 Completed 0.08718 0.0700 NaN Retired True 860.0 879.0 0.0 1.0000 0 0
112491 36 Completed 0.22237 0.2000 NaN Self-employed True 640.0 659.0 0.0 1.0000 0 0
112670 36 Current 0.35356 0.3134 2.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
112685 12 Completed 0.31134 0.2320 6.0 Not employed False 660.0 679.0 0.0 1.0000 0 0
112784 60 Past Due 0.22693 0.2024 8.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
112821 36 Past Due 0.20564 0.1764 8.0 Not employed False 740.0 759.0 0.0 1.0000 0 0
112917 36 Past Due 0.35797 0.3177 3.0 Self-employed False 700.0 719.0 0.0 1.0000 0 0
112971 60 Chargedoff 0.24763 0.2249 7.0 Not employed False 780.0 799.0 0.0 0.8684 0 0
113197 36 Current 0.35797 0.3177 3.0 Not employed True 740.0 759.0 0.0 1.0000 0 0
113409 36 Completed 0.05672 0.0500 NaN Full-time False 680.0 699.0 0.0 1.0000 1 1
113417 36 Current 0.35797 0.3177 5.0 Not employed False 700.0 719.0 0.0 1.0000 0 0
113485 36 Completed 0.18756 0.1730 NaN Full-time True 680.0 699.0 0.0 1.0000 0 0
113608 60 Chargedoff 0.24252 0.2199 6.0 Employed False 660.0 679.0 0.0 1.0000 0 0
113622 36 Chargedoff 0.34577 0.3058 6.0 Not employed False 640.0 659.0 0.0 1.0000 0 0
113682 60 Chargedoff 0.32680 0.2997 5.0 Not employed True 760.0 779.0 0.0 1.0000 0 0
113686 36 Completed 0.21588 0.2085 NaN Full-time False 740.0 759.0 0.0 1.0000 0 1
113761 60 Current 0.16151 0.1385 8.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
113766 36 Current 0.12427 0.0964 8.0 Not employed False 720.0 739.0 0.0 1.0000 0 0
113767 36 Chargedoff 0.36945 0.3450 NaN Self-employed False 520.0 539.0 0.0 1.0000 1 1
113803 36 Defaulted 0.11293 0.0990 NaN Self-employed True 680.0 699.0 0.0 1.0000 0 0

1393 rows × 13 columns

These rows seemed to be wrong in the StatedMonthlyIncome values. Many of them are employed of even full-time employed, and how would they have a StatedMonthlyIncome of 0? In addition, many of their credits are above average (>= 650 approximately), it would be hard to have a high credit score without a stable monthly income. Therefore, I would drop all of these rows, as considered them are outliers.

In [30]:
df_sub.drop(index=df_sub.query('StatedMonthlyIncome == 0').index, inplace = True);
In [31]:
df_sub.query('StatedMonthlyIncome >= 50000')
Out[31]:
Term LoanStatus BorrowerAPR BorrowerRate ProsperScore EmploymentStatus IsBorrowerHomeowner CreditScoreRangeLower CreditScoreRangeUpper StatedMonthlyIncome PercentFunded Recommendations InvestmentFromFriendsCount
3274 36 Completed 0.06576 0.0590 NaN Full-time True 780.0 799.0 5.000000e+04 1.0000 0 0
4691 36 Completed 0.12528 0.0974 8.0 Employed True 700.0 719.0 7.500000e+04 1.0000 0 0
8066 36 Completed 0.35643 0.3199 4.0 Employed True 660.0 679.0 4.166667e+05 1.0000 0 0
8870 36 Chargedoff 0.12700 0.1200 NaN Not available True 740.0 759.0 2.083333e+05 1.0000 0 0
11312 36 Completed 0.08684 0.0800 NaN Full-time False 780.0 799.0 7.500000e+04 1.0000 0 0
11835 36 Current 0.13697 0.1089 9.0 Employed True 720.0 739.0 5.250000e+04 1.0000 0 0
13039 36 Current 0.19236 0.1559 4.0 Self-employed True 780.0 799.0 8.333333e+04 1.0000 0 0
15035 36 Current 0.14714 0.1189 10.0 Employed True 720.0 739.0 6.666667e+04 1.0000 0 0
15355 36 Completed 0.18268 0.1645 NaN Retired True 700.0 719.0 8.333333e+04 1.0000 0 0
15814 36 Defaulted 0.21739 0.2100 NaN Full-time True 700.0 719.0 5.861667e+04 1.0000 0 0
17411 36 Completed 0.35643 0.3199 5.0 Employed True 660.0 679.0 4.833333e+05 1.0000 0 0
17598 36 Completed 0.08684 0.0800 NaN Not available False 720.0 739.0 6.100000e+04 1.0000 0 0
20708 36 Completed 0.24758 0.2099 7.0 Employed True 700.0 719.0 7.836442e+04 1.0000 0 0
21228 36 Current 0.32446 0.2850 2.0 Employed True 640.0 659.0 5.333333e+04 1.0000 0 0
21250 36 Completed 0.16056 0.1390 10.0 Employed True 760.0 779.0 5.333333e+04 0.7331 0 0
21983 60 Current 0.13227 0.1099 8.0 Self-employed True 780.0 799.0 5.992742e+04 1.0000 0 0
25495 36 Completed 0.20614 0.1988 NaN Full-time False 600.0 619.0 6.499467e+04 1.0000 0 0
25803 36 Current 0.28032 0.2419 4.0 Self-employed False 640.0 659.0 5.833333e+04 1.0000 0 0
27013 36 Completed 0.20200 0.1799 8.0 Employed True 740.0 759.0 7.500000e+04 1.0000 0 0
28187 36 Current 0.21290 0.1760 4.0 Self-employed False 680.0 699.0 7.500000e+04 1.0000 0 0
28298 60 Current 0.20347 0.1795 4.0 Self-employed False 700.0 719.0 7.083333e+04 1.0000 0 0
29348 12 Completed 0.17493 0.1177 10.0 Employed True 700.0 719.0 7.333333e+04 1.0000 0 0
31388 60 Current 0.20040 0.1765 3.0 Self-employed True 700.0 719.0 5.000000e+04 1.0000 0 0
32104 12 Completed 0.18829 0.1299 8.0 Employed True 820.0 839.0 5.000000e+04 1.0000 0 0
34950 60 Current 0.21935 0.1950 4.0 Employed True 680.0 699.0 6.250000e+04 1.0000 0 0
35218 36 Completed 0.07389 0.0705 10.0 Full-time True 860.0 879.0 1.083333e+05 1.0000 0 0
35833 36 Current 0.18275 0.1465 10.0 Employed False 640.0 659.0 7.500000e+04 1.0000 0 0
38795 36 Current 0.14162 0.1203 7.0 Employed True 780.0 799.0 5.191533e+04 1.0000 0 0
40276 36 Completed 0.14448 0.1374 NaN Full-time True 780.0 799.0 5.000000e+04 1.0000 0 0
44204 36 Current 0.16324 0.1274 7.0 Employed True 700.0 719.0 7.444892e+04 1.0000 0 0
44367 36 Current 0.16259 0.1264 4.0 Self-employed True 720.0 739.0 6.250000e+04 1.0000 0 0
44759 60 Current 0.20808 0.1840 4.0 Employed True 720.0 739.0 6.666667e+04 1.0000 0 0
45028 36 Current 0.33973 0.2999 2.0 Self-employed False 620.0 639.0 1.500000e+05 1.0000 0 0
45563 36 Current 0.21342 0.1765 4.0 Self-employed False 700.0 719.0 7.500000e+04 1.0000 0 0
45648 36 Completed 0.09688 0.0900 NaN Full-time True 760.0 779.0 7.591667e+04 1.0000 0 0
48469 36 Completed 0.35643 0.3199 5.0 Self-employed False 660.0 679.0 1.000000e+05 1.0000 0 0
49248 36 Completed 0.13068 0.1095 9.0 Employed True 820.0 839.0 5.000000e+04 1.0000 0 0
49929 36 Current 0.35797 0.3177 3.0 Employed True 700.0 719.0 5.000000e+04 1.0000 0 0
50126 36 Chargedoff 0.34577 0.3058 8.0 Employed False 640.0 659.0 6.000000e+04 1.0000 0 0
51553 36 Current 0.09434 0.0809 11.0 Employed True 700.0 719.0 7.666667e+04 1.0000 0 0
52293 36 Current 0.12782 0.0999 10.0 Employed False 720.0 739.0 8.333333e+04 1.0000 0 0
53014 12 Completed 0.25785 0.1795 3.0 Self-employed True 720.0 739.0 6.185478e+05 1.0000 0 0
53167 36 Current 0.35797 0.3177 4.0 Self-employed True 740.0 759.0 1.750003e+06 1.0000 0 0
53386 36 Current 0.18725 0.1509 5.0 Self-employed False 800.0 819.0 6.666667e+04 1.0000 0 0
56431 36 Completed 0.06587 0.0625 10.0 Employed False 780.0 799.0 5.000000e+04 1.0000 0 0
56867 36 Completed 0.11144 0.1045 NaN Self-employed True 820.0 839.0 1.850818e+05 1.0000 0 0
57133 36 Current 0.35643 0.3199 5.0 Employed True 680.0 699.0 4.666667e+05 1.0000 0 0
59263 36 Completed 0.27060 0.2324 5.0 Self-employed True 800.0 819.0 8.333333e+04 1.0000 0 0
59298 36 Current 0.24246 0.2049 6.0 Self-employed False 760.0 779.0 1.208333e+05 1.0000 0 0
59542 60 Completed 0.24282 0.2179 4.0 Employed True 680.0 699.0 7.836442e+04 1.0000 0 0
59928 36 Completed 0.22135 0.1990 9.0 Full-time False 680.0 699.0 9.626650e+04 1.0000 0 0
60563 36 Current 0.18173 0.1599 9.0 Employed True 700.0 719.0 7.916667e+04 1.0000 0 0
61443 36 Completed 0.10692 0.1000 NaN Full-time True 800.0 819.0 6.666667e+04 1.0000 0 0
62274 36 Completed 0.17260 0.1654 NaN Full-time True 740.0 759.0 6.079108e+04 1.0000 0 0
62864 36 Defaulted 0.15211 0.1450 NaN Self-employed True 720.0 739.0 5.133333e+04 1.0000 0 0
63149 36 Current 0.14857 0.1203 7.0 Employed True 860.0 879.0 9.166667e+04 1.0000 0 0
63374 36 Completed 0.31053 0.2750 7.0 Employed True 700.0 719.0 7.083333e+04 1.0000 0 0
63925 36 Completed 0.25948 0.2500 NaN Not available True 560.0 579.0 1.404167e+05 1.0000 0 0
65042 36 Chargedoff 0.15713 0.1500 NaN Full-time True 720.0 739.0 5.416667e+04 1.0000 0 0
65099 36 Current 0.09484 0.0814 10.0 Employed True 820.0 839.0 7.666667e+04 1.0000 0 0
67643 36 Completed 0.08885 0.0820 NaN Full-time True 780.0 799.0 6.666667e+04 1.0000 0 0
67756 36 Current 0.21372 0.1768 8.0 Employed True 720.0 739.0 6.250000e+04 1.0000 0 0
68703 36 Current 0.16324 0.1274 4.0 Employed True 700.0 719.0 7.444892e+04 1.0000 0 0
69108 36 Completed 0.22744 0.2200 NaN Not available False 560.0 579.0 8.000000e+04 1.0000 0 0
72473 36 Current 0.20268 0.1660 3.0 Employed True 700.0 719.0 5.000000e+04 1.0000 0 0
75295 36 Current 0.22108 0.1840 6.0 Employed False 680.0 699.0 5.500000e+04 1.0000 0 0
76102 36 Completed 0.22237 0.2000 5.0 Self-employed True 780.0 799.0 7.166667e+04 1.0000 0 0
76865 36 Current 0.35797 0.3177 4.0 Employed True 680.0 699.0 7.500000e+04 1.0000 0 0
77941 36 Current 0.35797 0.3177 2.0 Self-employed True 760.0 779.0 7.083333e+04 1.0000 0 0
78431 36 Chargedoff 0.20253 0.1952 NaN Full-time False 640.0 659.0 1.033341e+05 1.0000 0 0
80075 36 Current 0.20217 0.1655 6.0 Employed True 700.0 719.0 1.583333e+05 1.0000 0 0
80092 12 Completed 0.18526 0.1279 8.0 Employed False 680.0 699.0 6.666667e+04 1.0000 0 0
80516 12 Current 0.25785 0.1795 2.0 Self-employed True 760.0 779.0 5.416667e+04 1.0000 0 0
82831 36 Current 0.31012 0.2710 3.0 Self-employed True 700.0 719.0 2.500000e+05 1.0000 0 0
83184 36 Completed 0.09223 0.0750 NaN Not available True 840.0 859.0 7.166667e+04 1.0000 0 0
83697 36 Completed 0.08684 0.0800 NaN Not available True 840.0 859.0 1.850818e+05 1.0000 0 0
89928 36 Defaulted 0.16014 0.1530 NaN Full-time True 660.0 679.0 5.250000e+04 1.0000 0 0
90539 60 Current 0.20436 0.1899 8.0 Employed True 700.0 719.0 6.666667e+04 0.7328 0 0
91942 36 Chargedoff 0.25205 0.2445 NaN Not available True 700.0 719.0 5.227833e+04 1.0000 0 0
93680 36 Completed 0.12500 0.1180 NaN Full-time False 680.0 699.0 7.833333e+04 1.0000 0 0
93996 60 Current 0.20347 0.1795 10.0 Self-employed False 700.0 719.0 7.083333e+04 1.0000 0 0
100005 36 Current 0.12691 0.0990 3.0 Self-employed True 760.0 779.0 5.500000e+04 1.0000 0 0
100431 36 Chargedoff 0.29776 0.2900 NaN Full-time True 640.0 659.0 7.035000e+04 1.0000 0 0
103950 60 Current 0.12211 0.1199 10.0 Employed True 760.0 779.0 5.416667e+04 0.7027 0 0
104608 60 Current 0.18555 0.1620 8.0 Employed True 680.0 699.0 6.666667e+04 1.0000 0 0
104834 36 Current 0.20564 0.1764 8.0 Employed True 720.0 739.0 7.083333e+04 1.0000 0 0
105248 36 Current 0.20562 0.1685 5.0 Employed True 700.0 719.0 7.083333e+04 1.0000 0 0
108154 36 Current 0.14857 0.1203 9.0 Employed True 720.0 739.0 5.250000e+04 1.0000 0 0
109043 36 Current 0.18214 0.1459 7.0 Employed True 700.0 719.0 6.875000e+04 1.0000 0 0
111265 60 Completed 0.20593 0.1819 9.0 Employed False 640.0 659.0 1.087500e+05 1.0000 0 0
113270 36 Current 0.22712 0.1899 6.0 Employed False 680.0 699.0 3.944000e+05 1.0000 0 0
Out[31]:
Term LoanStatus BorrowerAPR BorrowerRate ProsperScore EmploymentStatus IsBorrowerHomeowner CreditScoreRangeLower CreditScoreRangeUpper StatedMonthlyIncome PercentFunded Recommendations InvestmentFromFriendsCount
3274 36 Completed 0.06576 0.0590 NaN Full-time True 780.0 799.0 5.000000e+04 1.0000 0 0
4691 36 Completed 0.12528 0.0974 8.0 Employed True 700.0 719.0 7.500000e+04 1.0000 0 0
8066 36 Completed 0.35643 0.3199 4.0 Employed True 660.0 679.0 4.166667e+05 1.0000 0 0
8870 36 Chargedoff 0.12700 0.1200 NaN Not available True 740.0 759.0 2.083333e+05 1.0000 0 0
11312 36 Completed 0.08684 0.0800 NaN Full-time False 780.0 799.0 7.500000e+04 1.0000 0 0
11835 36 Current 0.13697 0.1089 9.0 Employed True 720.0 739.0 5.250000e+04 1.0000 0 0
13039 36 Current 0.19236 0.1559 4.0 Self-employed True 780.0 799.0 8.333333e+04 1.0000 0 0
15035 36 Current 0.14714 0.1189 10.0 Employed True 720.0 739.0 6.666667e+04 1.0000 0 0
15355 36 Completed 0.18268 0.1645 NaN Retired True 700.0 719.0 8.333333e+04 1.0000 0 0
15814 36 Defaulted 0.21739 0.2100 NaN Full-time True 700.0 719.0 5.861667e+04 1.0000 0 0
17411 36 Completed 0.35643 0.3199 5.0 Employed True 660.0 679.0 4.833333e+05 1.0000 0 0
17598 36 Completed 0.08684 0.0800 NaN Not available False 720.0 739.0 6.100000e+04 1.0000 0 0
20708 36 Completed 0.24758 0.2099 7.0 Employed True 700.0 719.0 7.836442e+04 1.0000 0 0
21228 36 Current 0.32446 0.2850 2.0 Employed True 640.0 659.0 5.333333e+04 1.0000 0 0
21250 36 Completed 0.16056 0.1390 10.0 Employed True 760.0 779.0 5.333333e+04 0.7331 0 0
21983 60 Current 0.13227 0.1099 8.0 Self-employed True 780.0 799.0 5.992742e+04 1.0000 0 0
25495 36 Completed 0.20614 0.1988 NaN Full-time False 600.0 619.0 6.499467e+04 1.0000 0 0
25803 36 Current 0.28032 0.2419 4.0 Self-employed False 640.0 659.0 5.833333e+04 1.0000 0 0
27013 36 Completed 0.20200 0.1799 8.0 Employed True 740.0 759.0 7.500000e+04 1.0000 0 0
28187 36 Current 0.21290 0.1760 4.0 Self-employed False 680.0 699.0 7.500000e+04 1.0000 0 0
28298 60 Current 0.20347 0.1795 4.0 Self-employed False 700.0 719.0 7.083333e+04 1.0000 0 0
29348 12 Completed 0.17493 0.1177 10.0 Employed True 700.0 719.0 7.333333e+04 1.0000 0 0
31388 60 Current 0.20040 0.1765 3.0 Self-employed True 700.0 719.0 5.000000e+04 1.0000 0 0
32104 12 Completed 0.18829 0.1299 8.0 Employed True 820.0 839.0 5.000000e+04 1.0000 0 0
34950 60 Current 0.21935 0.1950 4.0 Employed True 680.0 699.0 6.250000e+04 1.0000 0 0
35218 36 Completed 0.07389 0.0705 10.0 Full-time True 860.0 879.0 1.083333e+05 1.0000 0 0
35833 36 Current 0.18275 0.1465 10.0 Employed False 640.0 659.0 7.500000e+04 1.0000 0 0
38795 36 Current 0.14162 0.1203 7.0 Employed True 780.0 799.0 5.191533e+04 1.0000 0 0
40276 36 Completed 0.14448 0.1374 NaN Full-time True 780.0 799.0 5.000000e+04 1.0000 0 0
44204 36 Current 0.16324 0.1274 7.0 Employed True 700.0 719.0 7.444892e+04 1.0000 0 0
44367 36 Current 0.16259 0.1264 4.0 Self-employed True 720.0 739.0 6.250000e+04 1.0000 0 0
44759 60 Current 0.20808 0.1840 4.0 Employed True 720.0 739.0 6.666667e+04 1.0000 0 0
45028 36 Current 0.33973 0.2999 2.0 Self-employed False 620.0 639.0 1.500000e+05 1.0000 0 0
45563 36 Current 0.21342 0.1765 4.0 Self-employed False 700.0 719.0 7.500000e+04 1.0000 0 0
45648 36 Completed 0.09688 0.0900 NaN Full-time True 760.0 779.0 7.591667e+04 1.0000 0 0
48469 36 Completed 0.35643 0.3199 5.0 Self-employed False 660.0 679.0 1.000000e+05 1.0000 0 0
49248 36 Completed 0.13068 0.1095 9.0 Employed True 820.0 839.0 5.000000e+04 1.0000 0 0
49929 36 Current 0.35797 0.3177 3.0 Employed True 700.0 719.0 5.000000e+04 1.0000 0 0
50126 36 Chargedoff 0.34577 0.3058 8.0 Employed False 640.0 659.0 6.000000e+04 1.0000 0 0
51553 36 Current 0.09434 0.0809 11.0 Employed True 700.0 719.0 7.666667e+04 1.0000 0 0
52293 36 Current 0.12782 0.0999 10.0 Employed False 720.0 739.0 8.333333e+04 1.0000 0 0
53014 12 Completed 0.25785 0.1795 3.0 Self-employed True 720.0 739.0 6.185478e+05 1.0000 0 0
53167 36 Current 0.35797 0.3177 4.0 Self-employed True 740.0 759.0 1.750003e+06 1.0000 0 0
53386 36 Current 0.18725 0.1509 5.0 Self-employed False 800.0 819.0 6.666667e+04 1.0000 0 0
56431 36 Completed 0.06587 0.0625 10.0 Employed False 780.0 799.0 5.000000e+04 1.0000 0 0
56867 36 Completed 0.11144 0.1045 NaN Self-employed True 820.0 839.0 1.850818e+05 1.0000 0 0
57133 36 Current 0.35643 0.3199 5.0 Employed True 680.0 699.0 4.666667e+05 1.0000 0 0
59263 36 Completed 0.27060 0.2324 5.0 Self-employed True 800.0 819.0 8.333333e+04 1.0000 0 0
59298 36 Current 0.24246 0.2049 6.0 Self-employed False 760.0 779.0 1.208333e+05 1.0000 0 0
59542 60 Completed 0.24282 0.2179 4.0 Employed True 680.0 699.0 7.836442e+04 1.0000 0 0
59928 36 Completed 0.22135 0.1990 9.0 Full-time False 680.0 699.0 9.626650e+04 1.0000 0 0
60563 36 Current 0.18173 0.1599 9.0 Employed True 700.0 719.0 7.916667e+04 1.0000 0 0
61443 36 Completed 0.10692 0.1000 NaN Full-time True 800.0 819.0 6.666667e+04 1.0000 0 0
62274 36 Completed 0.17260 0.1654 NaN Full-time True 740.0 759.0 6.079108e+04 1.0000 0 0
62864 36 Defaulted 0.15211 0.1450 NaN Self-employed True 720.0 739.0 5.133333e+04 1.0000 0 0
63149 36 Current 0.14857 0.1203 7.0 Employed True 860.0 879.0 9.166667e+04 1.0000 0 0
63374 36 Completed 0.31053 0.2750 7.0 Employed True 700.0 719.0 7.083333e+04 1.0000 0 0
63925 36 Completed 0.25948 0.2500 NaN Not available True 560.0 579.0 1.404167e+05 1.0000 0 0
65042 36 Chargedoff 0.15713 0.1500 NaN Full-time True 720.0 739.0 5.416667e+04 1.0000 0 0
65099 36 Current 0.09484 0.0814 10.0 Employed True 820.0 839.0 7.666667e+04 1.0000 0 0
67643 36 Completed 0.08885 0.0820 NaN Full-time True 780.0 799.0 6.666667e+04 1.0000 0 0
67756 36 Current 0.21372 0.1768 8.0 Employed True 720.0 739.0 6.250000e+04 1.0000 0 0
68703 36 Current 0.16324 0.1274 4.0 Employed True 700.0 719.0 7.444892e+04 1.0000 0 0
69108 36 Completed 0.22744 0.2200 NaN Not available False 560.0 579.0 8.000000e+04 1.0000 0 0
72473 36 Current 0.20268 0.1660 3.0 Employed True 700.0 719.0 5.000000e+04 1.0000 0 0
75295 36 Current 0.22108 0.1840 6.0 Employed False 680.0 699.0 5.500000e+04 1.0000 0 0
76102 36 Completed 0.22237 0.2000 5.0 Self-employed True 780.0 799.0 7.166667e+04 1.0000 0 0
76865 36 Current 0.35797 0.3177 4.0 Employed True 680.0 699.0 7.500000e+04 1.0000 0 0
77941 36 Current 0.35797 0.3177 2.0 Self-employed True 760.0 779.0 7.083333e+04 1.0000 0 0
78431 36 Chargedoff 0.20253 0.1952 NaN Full-time False 640.0 659.0 1.033341e+05 1.0000 0 0
80075 36 Current 0.20217 0.1655 6.0 Employed True 700.0 719.0 1.583333e+05 1.0000 0 0
80092 12 Completed 0.18526 0.1279 8.0 Employed False 680.0 699.0 6.666667e+04 1.0000 0 0
80516 12 Current 0.25785 0.1795 2.0 Self-employed True 760.0 779.0 5.416667e+04 1.0000 0 0
82831 36 Current 0.31012 0.2710 3.0 Self-employed True 700.0 719.0 2.500000e+05 1.0000 0 0
83184 36 Completed 0.09223 0.0750 NaN Not available True 840.0 859.0 7.166667e+04 1.0000 0 0
83697 36 Completed 0.08684 0.0800 NaN Not available True 840.0 859.0 1.850818e+05 1.0000 0 0
89928 36 Defaulted 0.16014 0.1530 NaN Full-time True 660.0 679.0 5.250000e+04 1.0000 0 0
90539 60 Current 0.20436 0.1899 8.0 Employed True 700.0 719.0 6.666667e+04 0.7328 0 0
91942 36 Chargedoff 0.25205 0.2445 NaN Not available True 700.0 719.0 5.227833e+04 1.0000 0 0
93680 36 Completed 0.12500 0.1180 NaN Full-time False 680.0 699.0 7.833333e+04 1.0000 0 0
93996 60 Current 0.20347 0.1795 10.0 Self-employed False 700.0 719.0 7.083333e+04 1.0000 0 0
100005 36 Current 0.12691 0.0990 3.0 Self-employed True 760.0 779.0 5.500000e+04 1.0000 0 0
100431 36 Chargedoff 0.29776 0.2900 NaN Full-time True 640.0 659.0 7.035000e+04 1.0000 0 0
103950 60 Current 0.12211 0.1199 10.0 Employed True 760.0 779.0 5.416667e+04 0.7027 0 0
104608 60 Current 0.18555 0.1620 8.0 Employed True 680.0 699.0 6.666667e+04 1.0000 0 0
104834 36 Current 0.20564 0.1764 8.0 Employed True 720.0 739.0 7.083333e+04 1.0000 0 0
105248 36 Current 0.20562 0.1685 5.0 Employed True 700.0 719.0 7.083333e+04 1.0000 0 0
108154 36 Current 0.14857 0.1203 9.0 Employed True 720.0 739.0 5.250000e+04 1.0000 0 0
109043 36 Current 0.18214 0.1459 7.0 Employed True 700.0 719.0 6.875000e+04 1.0000 0 0
111265 60 Completed 0.20593 0.1819 9.0 Employed False 640.0 659.0 1.087500e+05 1.0000 0 0
113270 36 Current 0.22712 0.1899 6.0 Employed False 680.0 699.0 3.944000e+05 1.0000 0 0

These rows seem not to be wrong, as the variables all look valid. Nevertheless, just as stated above, their existence affect the drawing of correlation graphs in the later section, it is not ideal to plot with such great outliers. Hence all StatedMonthlyIncome >= 50000 can be dropped, they are really too far from majority of values.

In [32]:
df_sub.drop(index=df_sub.query('StatedMonthlyIncome >= 50000').index, inplace = True);
In [33]:
# plot the StatedMonthlyIncome again
log_binsize = 0.025
bins = 10 ** np.arange(0.0, np.log10(df_sub.StatedMonthlyIncome.max())+log_binsize, log_binsize)

# insert a bin at 0, since there are some values = 0 for StatedMonthlyIncome
bins = list(bins)
bins.insert(0, 0)

plt.figure(figsize= (10, 5))
plt.hist(data=df_sub, x='StatedMonthlyIncome', bins=bins)

# change the graph to log scale
plt.xscale('log');
plt.xticks([500, 1e3, 2e3, 5e3, 1e4, 2e4, 5e4], [ 500, '1k', '2k', '5k', '10k', '20k', '50k'])

plt.xlabel('StatedMonthlyIncome ($)')
plt.ylabel('Count');

There is still a group of outliers around 0, but fewer than before, take a look at them.

In [34]:
df_sub.query('StatedMonthlyIncome <= 200')
Out[34]:
Term LoanStatus BorrowerAPR BorrowerRate ProsperScore EmploymentStatus IsBorrowerHomeowner CreditScoreRangeLower CreditScoreRangeUpper StatedMonthlyIncome PercentFunded Recommendations InvestmentFromFriendsCount
22 36 Current 0.35356 0.3134 2.0 Other False 700.0 719.0 118.333333 1.0000 0 0
146 36 Completed 0.09939 0.0925 NaN NaN False 740.0 759.0 0.083333 1.0000 0 0
184 36 Defaulted 0.26590 0.2500 NaN Not available False 480.0 499.0 200.000000 1.0000 0 0
226 36 Completed 0.11749 0.1000 NaN Full-time True 600.0 619.0 0.083333 1.0000 0 0
576 36 Completed 0.10505 0.0935 NaN Retired False 800.0 819.0 0.083333 1.0000 0 0
626 36 Current 0.35797 0.3177 4.0 Employed False 700.0 719.0 3.833333 1.0000 0 0
895 36 Chargedoff 0.35797 0.3177 4.0 Self-employed True 700.0 719.0 14.583333 1.0000 0 0
1242 36 Completed 0.11415 0.1072 NaN Not employed False 740.0 759.0 0.083333 1.0000 0 0
1356 36 Completed 0.14982 0.1284 NaN Part-time False 520.0 539.0 48.333333 1.0000 0 0
1925 36 Defaulted 0.08684 0.0800 NaN Not employed False 740.0 759.0 0.083333 1.0000 1 1
2089 12 Defaulted 0.35843 0.2669 4.0 Self-employed False 740.0 759.0 175.000000 1.0000 0 0
2138 36 Completed 0.23250 0.2100 NaN Full-time True 660.0 679.0 3.333333 1.0000 0 0
2217 36 Completed 0.16436 0.1572 NaN Not available False 640.0 659.0 0.083333 1.0000 0 0
2394 36 Defaulted 0.18726 0.1800 NaN Not employed False 780.0 799.0 0.083333 1.0000 0 0
2452 36 Current 0.28851 0.2499 6.0 Self-employed True 700.0 719.0 9.416667 1.0000 0 0
2712 36 Completed 0.20936 0.2020 NaN NaN False 620.0 639.0 0.083333 1.0000 0 0
2715 36 Completed 0.18224 0.1750 NaN Not available False 700.0 719.0 0.083333 1.0000 0 0
3174 36 Past Due 0.35643 0.3199 4.0 Employed False 660.0 679.0 158.333333 1.0000 0 0
3300 36 Chargedoff 0.35797 0.3177 4.0 Employed False 680.0 699.0 8.333333 1.0000 0 0
3339 36 Chargedoff 0.21739 0.2100 NaN Full-time False 700.0 719.0 0.083333 1.0000 0 0
3494 36 Chargedoff 0.22744 0.2200 NaN Not employed False 620.0 639.0 0.083333 1.0000 0 0
4424 36 Completed 0.13705 0.1300 NaN Full-time False 700.0 719.0 200.000000 1.0000 0 0
4786 36 Completed 0.10542 0.0985 NaN Full-time False 760.0 779.0 125.000000 1.0000 0 0
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108971 36 Completed 0.08829 0.0711 NaN Not available True 860.0 879.0 0.083333 1.0000 0 0
109045 36 Completed 0.18706 0.1798 NaN Full-time True 680.0 699.0 0.083333 1.0000 0 0
109064 36 Completed 0.15144 0.1300 NaN Self-employed False 660.0 679.0 150.000000 1.0000 1 0
109083 36 Completed 0.17141 0.1594 NaN Full-time False 620.0 639.0 200.000000 1.0000 0 0
109111 36 Chargedoff 0.25757 0.2500 NaN Not employed False 620.0 639.0 0.083333 1.0000 0 0
109123 36 Chargedoff 0.23186 0.2244 NaN Full-time True 740.0 759.0 0.083333 1.0000 0 0
109144 36 Defaulted 0.30952 0.2899 NaN Full-time False 520.0 539.0 0.083333 1.0000 0 0
109169 36 Current 0.15324 0.1249 7.0 Self-employed False 720.0 739.0 41.666667 1.0000 0 0
109451 36 Current 0.29486 0.2561 6.0 Employed False 740.0 759.0 100.000000 1.0000 0 0
110498 36 Defaulted 0.30532 0.2699 6.0 Employed False 760.0 779.0 166.666667 1.0000 0 0
110529 36 Current 0.25371 0.2159 3.0 Employed False 660.0 679.0 167.750000 1.0000 0 0
110566 36 Completed 0.20725 0.1999 NaN Self-employed True 620.0 639.0 0.083333 1.0000 1 1
110804 36 Chargedoff 0.30564 0.2900 NaN Not employed False 520.0 539.0 0.083333 1.0000 0 0
110912 36 Current 0.17359 0.1449 8.0 Employed False 740.0 759.0 1.833333 1.0000 0 0
110983 36 Completed 0.12650 0.1195 NaN Self-employed True 760.0 779.0 0.083333 1.0000 0 0
111146 36 Completed 0.17671 0.1695 NaN Self-employed False 640.0 659.0 0.083333 1.0000 0 0
111321 36 Completed 0.17445 0.1600 NaN Self-employed True 720.0 739.0 0.083333 1.0000 1 0
111793 36 Completed 0.16436 0.1500 NaN Self-employed False 700.0 719.0 145.000000 1.0000 0 1
111877 36 Defaulted 0.29049 0.2750 NaN Self-employed True 520.0 539.0 0.083333 1.0000 0 0
112308 36 Completed 0.16516 0.1580 NaN Self-employed True 720.0 739.0 0.083333 1.0000 0 0
112695 36 Current 0.35797 0.3177 4.0 Employed False 740.0 759.0 191.666667 1.0000 0 0
112712 36 Chargedoff 0.25517 0.2400 NaN Full-time False 620.0 639.0 0.083333 1.0000 0 0
113099 36 Current 0.33286 0.2932 3.0 Employed False 680.0 699.0 2.083333 1.0000 0 0
113258 60 Defaulted 0.27554 0.2498 6.0 Employed True 780.0 799.0 2.916667 1.0000 0 0
113559 36 Current 0.35132 0.3149 5.0 Employed True 680.0 699.0 18.333333 1.0000 0 0
113626 36 Completed 0.17722 0.1700 NaN NaN False 720.0 739.0 0.083333 1.0000 0 0
Out[34]:
Term LoanStatus BorrowerAPR BorrowerRate ProsperScore EmploymentStatus IsBorrowerHomeowner CreditScoreRangeLower CreditScoreRangeUpper StatedMonthlyIncome PercentFunded Recommendations InvestmentFromFriendsCount
22 36 Current 0.35356 0.3134 2.0 Other False 700.0 719.0 118.333333 1.0000 0 0
146 36 Completed 0.09939 0.0925 NaN NaN False 740.0 759.0 0.083333 1.0000 0 0
184 36 Defaulted 0.26590 0.2500 NaN Not available False 480.0 499.0 200.000000 1.0000 0 0
226 36 Completed 0.11749 0.1000 NaN Full-time True 600.0 619.0 0.083333 1.0000 0 0
576 36 Completed 0.10505 0.0935 NaN Retired False 800.0 819.0 0.083333 1.0000 0 0
626 36 Current 0.35797 0.3177 4.0 Employed False 700.0 719.0 3.833333 1.0000 0 0
895 36 Chargedoff 0.35797 0.3177 4.0 Self-employed True 700.0 719.0 14.583333 1.0000 0 0
1242 36 Completed 0.11415 0.1072 NaN Not employed False 740.0 759.0 0.083333 1.0000 0 0
1356 36 Completed 0.14982 0.1284 NaN Part-time False 520.0 539.0 48.333333 1.0000 0 0
1925 36 Defaulted 0.08684 0.0800 NaN Not employed False 740.0 759.0 0.083333 1.0000 1 1
2089 12 Defaulted 0.35843 0.2669 4.0 Self-employed False 740.0 759.0 175.000000 1.0000 0 0
2138 36 Completed 0.23250 0.2100 NaN Full-time True 660.0 679.0 3.333333 1.0000 0 0
2217 36 Completed 0.16436 0.1572 NaN Not available False 640.0 659.0 0.083333 1.0000 0 0
2394 36 Defaulted 0.18726 0.1800 NaN Not employed False 780.0 799.0 0.083333 1.0000 0 0
2452 36 Current 0.28851 0.2499 6.0 Self-employed True 700.0 719.0 9.416667 1.0000 0 0
2712 36 Completed 0.20936 0.2020 NaN NaN False 620.0 639.0 0.083333 1.0000 0 0
2715 36 Completed 0.18224 0.1750 NaN Not available False 700.0 719.0 0.083333 1.0000 0 0
3174 36 Past Due 0.35643 0.3199 4.0 Employed False 660.0 679.0 158.333333 1.0000 0 0
3300 36 Chargedoff 0.35797 0.3177 4.0 Employed False 680.0 699.0 8.333333 1.0000 0 0
3339 36 Chargedoff 0.21739 0.2100 NaN Full-time False 700.0 719.0 0.083333 1.0000 0 0
3494 36 Chargedoff 0.22744 0.2200 NaN Not employed False 620.0 639.0 0.083333 1.0000 0 0
4424 36 Completed 0.13705 0.1300 NaN Full-time False 700.0 719.0 200.000000 1.0000 0 0
4786 36 Completed 0.10542 0.0985 NaN Full-time False 760.0 779.0 125.000000 1.0000 0 0
4827 36 Completed 0.08971 0.0725 NaN Self-employed False 800.0 819.0 0.083333 1.0000 0 0
4968 36 Defaulted 0.18726 0.1800 NaN Full-time True 720.0 739.0 0.083333 1.0000 1 1
5154 36 Current 0.35285 0.3127 3.0 Employed False 680.0 699.0 150.000000 1.0000 0 0
5186 36 Completed 0.15713 0.1500 NaN Self-employed False 760.0 779.0 0.083333 1.0000 0 0
5567 36 Defaulted 0.23748 0.2300 NaN Not available True 640.0 659.0 0.833333 1.0000 0 0
5743 36 Completed 0.15412 0.1470 NaN Not available False 600.0 619.0 83.333333 1.0000 0 0
5806 36 Completed 0.35797 0.3177 3.0 Employed True 720.0 739.0 5.833333 1.0000 0 0
5961 36 Chargedoff 0.08971 0.0725 NaN Not available False 460.0 479.0 125.000000 1.0000 0 0
5976 36 Defaulted 0.15428 0.1400 NaN Full-time False 680.0 699.0 0.083333 1.0000 0 0
6965 36 Defaulted 0.20735 0.2000 NaN Self-employed True 660.0 679.0 0.083333 1.0000 0 0
7086 36 Completed 0.29776 0.2900 NaN Not available False 600.0 619.0 158.333333 1.0000 0 0
7608 36 Chargedoff 0.07045 0.0500 NaN Full-time False 540.0 559.0 133.333333 1.0000 0 0
7836 36 Current 0.35797 0.3177 3.0 Employed False 700.0 719.0 167.750000 1.0000 0 0
7856 36 Completed 0.15878 0.1495 NaN NaN False NaN NaN 0.083333 1.0000 0 0
7871 36 Current 0.35797 0.3177 4.0 Employed False 720.0 739.0 3.000000 1.0000 0 0
7872 60 Current 0.27246 0.2468 7.0 Employed False 720.0 739.0 166.666667 1.0000 0 0
8010 36 Chargedoff 0.30564 0.2900 NaN Self-employed True 580.0 599.0 0.083333 1.0000 0 0
8054 36 Chargedoff 0.13453 0.1275 NaN Self-employed True 760.0 779.0 0.083333 1.0000 0 0
8093 36 Defaulted 0.27767 0.2700 NaN Not available True 660.0 679.0 0.083333 1.0000 0 0
8246 36 Chargedoff 0.15713 0.1500 NaN Full-time True 680.0 699.0 0.083333 1.0000 1 0
8449 36 Completed 0.28545 0.2700 NaN Self-employed False 540.0 559.0 0.083333 1.0000 1 0
8462 36 Completed 0.16767 0.1605 NaN NaN True 700.0 719.0 0.083333 1.0000 0 0
8501 36 Completed 0.13855 0.1315 NaN NaN True 700.0 719.0 0.083333 1.0000 0 0
8748 36 Chargedoff 0.35858 0.3220 6.0 Employed True 640.0 659.0 1.833333 1.0000 0 0
8829 36 Completed 0.25757 0.2500 NaN Self-employed False 700.0 719.0 0.083333 1.0000 0 0
8936 36 Current 0.35356 0.3134 4.0 Full-time False 700.0 719.0 116.666667 1.0000 0 0
9410 36 Completed 0.28771 0.2800 NaN Not available False 600.0 619.0 0.083333 1.0000 0 0
9972 36 Chargedoff 0.16991 0.1555 NaN Part-time False 520.0 539.0 0.083333 1.0000 0 1
10009 36 Chargedoff 0.19730 0.1900 NaN Self-employed True 680.0 699.0 0.083333 1.0000 1 0
10018 36 Current 0.32538 0.2859 2.0 Employed False 660.0 679.0 15.000000 1.0000 0 0
10432 36 Completed 0.10692 0.1000 NaN Not available False 720.0 739.0 0.083333 1.0000 0 0
10567 36 Defaulted 0.15286 0.1350 NaN Full-time True 640.0 659.0 133.333333 1.0000 0 0
10925 36 Chargedoff 0.14984 0.1350 NaN Self-employed False 680.0 699.0 100.000000 1.0000 0 0
10969 36 Current 0.35356 0.3134 2.0 Employed False 720.0 739.0 2.500000 1.0000 0 0
11091 36 Chargedoff 0.18224 0.1750 NaN Not available False 620.0 639.0 0.083333 1.0000 0 0
11103 36 Completed 0.27566 0.2680 NaN Full-time False 660.0 679.0 0.083333 1.0000 0 0
11162 36 Completed 0.12198 0.1150 NaN NaN False NaN NaN 0.083333 1.0000 0 0
11815 36 Chargedoff 0.35805 0.3500 NaN Full-time True 640.0 659.0 0.083333 1.0000 2 0
12009 60 Past Due 0.27462 0.2489 6.0 Employed True 720.0 739.0 125.000000 1.0000 0 0
12013 60 Current 0.31375 0.2870 5.0 Employed True 740.0 759.0 4.500000 1.0000 0 0
12120 36 Chargedoff 0.29776 0.2900 NaN Self-employed False 660.0 679.0 0.083333 1.0000 0 0
12375 36 Completed 0.19196 0.1700 NaN Full-time False 620.0 639.0 100.000000 1.0000 1 1
12562 36 Chargedoff 0.18726 0.1800 NaN Not available True 760.0 779.0 0.083333 1.0000 0 0
12763 36 Chargedoff 0.29740 0.2740 8.0 Full-time False 680.0 699.0 166.666667 1.0000 0 0
12860 36 Completed 0.21223 0.1900 NaN Part-time False 640.0 659.0 178.000000 1.0000 0 0
12976 36 Completed 0.17722 0.1700 NaN Not employed False 600.0 619.0 0.083333 1.0000 0 0
13102 36 Completed 0.17722 0.1700 NaN NaN True 660.0 679.0 0.083333 1.0000 0 0
13227 36 Defaulted 0.24891 0.2300 NaN Not available True 540.0 559.0 175.000000 1.0000 0 0
13773 36 Completed 0.16802 0.1500 NaN Not available False 600.0 619.0 0.083333 1.0000 0 0
14013 36 Defaulted 0.26611 0.2470 NaN Full-time False 600.0 619.0 125.000000 1.0000 0 0
14096 36 Current 0.35797 0.3177 5.0 Self-employed False 680.0 699.0 2.166667 1.0000 0 0
14126 60 Past Due 0.27554 0.2498 7.0 Employed False 720.0 739.0 2.916667 1.0000 0 0
14599 36 Completed 0.14983 0.1320 NaN Not employed False 680.0 699.0 175.000000 1.0000 0 0
14717 36 Chargedoff 0.19340 0.1820 NaN Part-time False 620.0 639.0 0.083333 1.0000 0 0
15570 36 Completed 0.20735 0.2000 NaN Not available True 640.0 659.0 0.083333 1.0000 0 0
16163 36 Current 0.33553 0.2958 6.0 Other True 680.0 699.0 83.333333 1.0000 0 0
16613 36 Completed 0.09437 0.0875 NaN NaN False NaN NaN 0.083333 1.0000 0 0
16750 60 Current 0.13942 0.1169 9.0 Self-employed False 740.0 759.0 0.083333 1.0000 0 0
16827 36 Completed 0.29776 0.2900 NaN Not available True 500.0 519.0 0.083333 1.0000 0 0
16849 36 Current 0.31790 0.2786 5.0 Employed False 680.0 699.0 4.333333 1.0000 0 0
17117 36 Completed 0.13705 0.1300 NaN Full-time True 700.0 719.0 0.083333 1.0000 0 0
17206 36 Chargedoff 0.30630 0.2900 NaN Not available False 520.0 539.0 158.500000 1.0000 0 0
17263 36 Chargedoff 0.35643 0.3199 4.0 Self-employed False 680.0 699.0 83.333333 0.9126 0 0
18463 36 Defaulted 0.19981 0.1925 NaN Full-time False 660.0 679.0 141.666667 1.0000 0 0
19105 36 Current 0.35797 0.3177 4.0 Self-employed False 680.0 699.0 125.000000 1.0000 0 0
19112 12 Completed 0.16033 0.1033 5.0 Employed False 760.0 779.0 200.000000 1.0000 0 0
19240 36 Past Due 0.35356 0.3134 3.0 Employed True 680.0 699.0 125.000000 1.0000 0 0
19270 36 Completed 0.11947 0.1125 NaN Full-time True 740.0 759.0 2.500000 1.0000 0 0
19287 36 Chargedoff 0.23447 0.2270 NaN Self-employed False 640.0 659.0 0.083333 1.0000 0 0
19332 36 Completed 0.10867 0.1000 NaN Not available False 760.0 779.0 200.000000 1.0000 0 0
19502 36 Completed 0.15713 0.1500 NaN Self-employed True 820.0 839.0 0.083333 1.0000 0 0
19622 36 Chargedoff 0.20735 0.2000 NaN Not employed False 620.0 639.0 0.083333 1.0000 0 0
19643 36 Completed 0.16717 0.1600 NaN Full-time False 760.0 779.0 0.083333 1.0000 0 0
19885 36 Defaulted 0.27535 0.2600 NaN Self-employed True 580.0 599.0 0.083333 1.0000 0 0
19924 36 Completed 0.14056 0.1335 NaN Not available False 660.0 679.0 166.000000 1.0000 0 0
20015 36 Current 0.35797 0.3177 5.0 Other True 660.0 679.0 116.666667 1.0000 0 0
20097 36 Past Due 0.35356 0.3134 3.0 Employed True 720.0 739.0 133.333333 1.0000 0 0
20524 36 Chargedoff 0.29776 0.2900 NaN Not available False 500.0 519.0 0.083333 1.0000 0 0
20639 36 Completed 0.18994 0.1680 NaN Full-time False 640.0 659.0 100.000000 1.0000 0 0
20650 36 Completed 0.23246 0.2250 NaN NaN False 620.0 639.0 0.083333 1.0000 0 0
20820 60 Completed 0.31375 0.2870 5.0 Self-employed True 720.0 739.0 5.416667 1.0000 0 0
20903 36 Chargedoff 0.22778 0.2100 NaN Not available False 480.0 499.0 183.333333 1.0000 0 0
21320 36 Completed 0.13797 0.1262 NaN Full-time False 680.0 699.0 141.666667 1.0000 0 0
21647 12 Completed 0.29287 0.1936 6.0 Employed False 700.0 719.0 4.166667 1.0000 0 0
21792 36 Completed 0.20735 0.2000 NaN Self-employed True 600.0 619.0 0.083333 1.0000 0 0
21872 36 Current 0.23438 0.1970 4.0 Self-employed True 660.0 679.0 10.000000 1.0000 0 0
22462 36 Completed 0.18525 0.1780 NaN Self-employed True 680.0 699.0 0.083333 1.0000 1 1
22481 36 Completed 0.29776 0.2900 NaN Self-employed True 660.0 679.0 128.250000 1.0000 0 0
22678 36 Completed 0.18475 0.1775 NaN NaN False 640.0 659.0 0.083333 1.0000 0 0
22687 36 Chargedoff 0.13705 0.1300 NaN Retired False 720.0 739.0 158.666667 1.0000 1 1
22905 36 Completed 0.15994 0.1528 NaN Not employed False 640.0 659.0 125.250000 1.0000 0 0
22953 36 Defaulted 0.08213 0.0650 NaN Not available False 540.0 559.0 116.666667 1.0000 0 0
23058 36 Current 0.35797 0.3177 4.0 Other False 700.0 719.0 187.250000 1.0000 0 0
23264 36 Completed 0.34577 0.3058 4.0 Employed False 720.0 739.0 166.666667 1.0000 0 0
23384 36 Completed 0.14608 0.1390 NaN Self-employed False 660.0 679.0 0.083333 1.0000 0 0
23686 36 Completed 0.12691 0.0990 6.0 Self-employed True 780.0 799.0 41.666667 1.0000 0 0
23701 36 Past Due 0.35356 0.3134 3.0 Employed False 660.0 679.0 100.000000 1.0000 0 0
24113 36 Defaulted 0.22231 0.2149 NaN Self-employed True 660.0 679.0 0.083333 1.0000 4 2
24186 36 Completed 0.24507 0.2300 NaN Self-employed False 520.0 539.0 0.083333 1.0000 0 0
24514 36 Defaulted 0.22643 0.2190 NaN Full-time False 680.0 699.0 0.083333 1.0000 1 0
24768 60 Current 0.27462 0.2489 6.0 Self-employed True 760.0 779.0 1.666667 1.0000 0 0
24848 36 Chargedoff 0.27909 0.2637 NaN Full-time False 520.0 539.0 0.083333 1.0000 1 1
24898 36 Chargedoff 0.35797 0.3177 4.0 Employed True 760.0 779.0 100.000000 1.0000 0 0
25329 36 Past Due 0.35356 0.3134 4.0 Other True 780.0 799.0 0.083333 1.0000 0 0
26112 36 Completed 0.35643 0.3199 4.0 Full-time False 660.0 679.0 2.416667 1.0000 0 0
26362 36 Current 0.35797 0.3177 2.0 Employed False 700.0 719.0 181.250000 1.0000 0 0
26424 36 Chargedoff 0.35797 0.3177 3.0 Other False 700.0 719.0 141.666667 1.0000 0 0
26734 36 Defaulted 0.12700 0.1200 NaN Full-time True 780.0 799.0 0.083333 1.0000 2 0
26765 36 Chargedoff 0.22904 0.2216 NaN Full-time True 600.0 619.0 0.083333 1.0000 0 0
26875 36 Current 0.35797 0.3177 3.0 Other True 740.0 759.0 147.916667 1.0000 0 0
27006 36 Completed 0.27404 0.2587 NaN Full-time False 700.0 719.0 4.166667 1.0000 1 0
27093 36 Completed 0.23457 0.2271 NaN Part-time False 620.0 639.0 79.166667 1.0000 0 0
27865 36 Current 0.35797 0.3177 4.0 Employed False 720.0 739.0 2.333333 1.0000 0 0
28149 36 Completed 0.13705 0.1300 NaN Full-time False 680.0 699.0 166.666667 1.0000 0 0
28608 36 Chargedoff 0.13453 0.1275 NaN Full-time True 760.0 779.0 0.083333 1.0000 0 0
28677 36 Chargedoff 0.29776 0.2900 NaN Self-employed True 640.0 659.0 0.083333 1.0000 0 0
28722 36 Chargedoff 0.21739 0.2100 NaN Full-time True 620.0 639.0 0.083333 1.0000 1 1
28852 36 Completed 0.19914 0.1900 NaN Not available False 640.0 659.0 100.000000 1.0000 0 0
28949 36 Completed 0.10692 0.1000 NaN Not employed True 780.0 799.0 37.500000 1.0000 2 2
29029 36 Completed 0.11749 0.1000 NaN Self-employed False 680.0 699.0 150.000000 1.0000 1 1
30026 36 Completed 0.12345 0.1059 NaN Self-employed True 720.0 739.0 0.083333 1.0000 0 0
30827 36 Defaulted 0.33553 0.2958 6.0 Employed False 680.0 699.0 1.416667 1.0000 0 0
31161 36 Current 0.30285 0.2639 2.0 Employed True 720.0 739.0 200.000000 1.0000 0 0
32237 36 Completed 0.16119 0.1500 NaN Part-time False 600.0 619.0 0.083333 1.0000 0 0
32383 36 Completed 0.25757 0.2500 NaN Self-employed True 620.0 639.0 0.083333 1.0000 0 0
32569 36 Current 0.17754 0.1414 6.0 Employed False 660.0 679.0 158.333333 1.0000 0 0
32804 36 Completed 0.11587 0.1000 NaN Part-time False 660.0 679.0 0.083333 1.0000 1 1
33029 36 Completed 0.28018 0.2725 NaN Full-time True 620.0 639.0 0.083333 1.0000 0 0
33262 36 Completed 0.15713 0.1500 NaN Full-time False 640.0 659.0 0.083333 1.0000 1 1
33457 36 Chargedoff 0.22053 0.1894 9.0 Full-time False 680.0 699.0 125.000000 1.0000 0 0
33478 36 Chargedoff 0.35285 0.3127 4.0 Employed False 680.0 699.0 125.000000 1.0000 0 0
33712 60 Chargedoff 0.29464 0.2684 6.0 Employed False 680.0 699.0 37.500000 1.0000 0 0
34117 36 Completed 0.14709 0.1400 NaN Not available False 660.0 679.0 0.083333 1.0000 0 0
34600 36 Current 0.35797 0.3177 3.0 Employed False 740.0 759.0 6.250000 1.0000 0 0
34883 36 Current 0.23939 0.2019 6.0 Other False 700.0 719.0 2.666667 1.0000 0 0
35009 36 Defaulted 0.30564 0.2900 NaN Full-time True 540.0 559.0 143.000000 1.0000 1 0
35372 36 Completed 0.06698 0.0500 NaN Full-time True 540.0 559.0 0.083333 1.0000 0 0
35790 36 Completed 0.22153 0.1649 NaN Full-time False 640.0 659.0 66.666667 1.0000 0 0
36145 36 Completed 0.26461 0.2570 NaN Self-employed True 600.0 619.0 0.083333 1.0000 0 0
36277 36 Defaulted 0.22693 0.2195 NaN Full-time False 600.0 619.0 0.083333 1.0000 0 0
36363 36 Chargedoff 0.18977 0.1825 NaN Not available False 600.0 619.0 0.083333 1.0000 0 0
36915 36 Current 0.35797 0.3177 4.0 Employed True 680.0 699.0 133.333333 1.0000 0 0
36933 36 Current 0.35356 0.3134 3.0 Full-time False 680.0 699.0 2.416667 1.0000 0 0
37152 36 Completed 0.22656 0.2079 NaN Part-time False 600.0 619.0 0.083333 1.0000 0 0
37625 36 Completed 0.16386 0.1495 NaN Not employed False 520.0 539.0 0.083333 1.0000 0 0
38018 36 Defaulted 0.28494 0.2695 NaN Full-time True 560.0 579.0 0.083333 1.0000 0 0
38112 36 Completed 0.20232 0.1950 NaN Not available False 620.0 639.0 124.833333 1.0000 0 0
38582 36 Defaulted 0.23902 0.2240 NaN Full-time False 520.0 539.0 0.083333 1.0000 0 0
38902 60 Current 0.20358 0.1845 5.0 Employed True 760.0 779.0 3.333333 1.0000 0 0
39491 36 Completed 0.24939 0.2148 8.0 Full-time False 720.0 739.0 200.000000 1.0000 0 0
40156 36 Completed 0.14407 0.1370 NaN NaN True 680.0 699.0 0.083333 1.0000 0 0
40641 36 Chargedoff 0.28851 0.2499 6.0 Employed False 720.0 739.0 125.000000 1.0000 0 0
40657 36 Completed 0.35797 0.3177 4.0 Self-employed False 700.0 719.0 5.000000 1.0000 0 0
41717 36 Current 0.35356 0.3134 6.0 Employed False 700.0 719.0 200.000000 1.0000 0 0
42251 36 Completed 0.17322 0.1515 8.0 Employed False 720.0 739.0 166.666667 1.0000 0 0
42482 36 Defaulted 0.37453 0.3500 NaN Full-time True 540.0 559.0 135.000000 1.0000 0 0
42606 60 Chargedoff 0.31375 0.2870 6.0 Employed False 700.0 719.0 3.750000 1.0000 0 0
42630 36 Completed 0.21739 0.2100 NaN Self-employed True 600.0 619.0 0.083333 1.0000 0 0
42912 36 Defaulted 0.25757 0.2500 NaN Not available False 600.0 619.0 0.083333 1.0000 0 0
42977 36 Chargedoff 0.23981 0.2210 NaN Full-time False 520.0 539.0 140.000000 1.0000 0 0
43121 36 Completed 0.08433 0.0775 NaN NaN False 780.0 799.0 0.083333 1.0000 0 0
43327 36 Completed 0.13584 0.1288 NaN Part-time False 680.0 699.0 0.083333 1.0000 0 0
43492 60 Current 0.20358 0.1845 8.0 Employed False 700.0 719.0 3.083333 1.0000 0 0
43519 36 Completed 0.35285 0.3127 3.0 Other False 700.0 719.0 125.000000 1.0000 0 0
43692 36 Completed 0.19178 0.1845 NaN Self-employed False 640.0 659.0 0.083333 1.0000 0 0
43878 36 Defaulted 0.35356 0.3134 4.0 Employed True 760.0 779.0 2.916667 1.0000 0 0
44805 36 Current 0.35356 0.3134 2.0 Other False 660.0 679.0 165.000000 1.0000 0 0
44862 60 Chargedoff 0.31375 0.2870 5.0 Self-employed False 780.0 799.0 58.333333 1.0000 0 0
45010 36 Defaulted 0.21639 0.2090 NaN Full-time False 680.0 699.0 0.083333 1.0000 1 1
45136 36 Chargedoff 0.15713 0.1500 NaN Self-employed True 720.0 739.0 0.083333 1.0000 0 0
45918 36 Chargedoff 0.29776 0.2900 NaN Self-employed True 640.0 659.0 0.083333 1.0000 0 0
46168 36 Completed 0.18726 0.1800 NaN Not employed True 720.0 739.0 0.083333 1.0000 0 0
46186 36 Completed 0.16988 0.1627 NaN Self-employed False 680.0 699.0 120.833333 1.0000 0 0
46467 36 Completed 0.16990 0.1579 NaN Not employed False 800.0 819.0 56.250000 1.0000 0 0
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97602 36 Defaulted 0.26959 0.2600 NaN Not available False 540.0 559.0 175.000000 1.0000 0 0
97616 36 Completed 0.26762 0.2600 NaN Not available False 560.0 579.0 0.083333 1.0000 0 0
97753 60 Current 0.26877 0.2432 2.0 Other False 680.0 699.0 2.583333 1.0000 0 0
97780 36 Completed 0.30564 0.2900 NaN Self-employed True 520.0 539.0 191.666667 1.0000 0 0
98154 36 Completed 0.11872 0.1100 NaN Retired False 740.0 759.0 141.416667 1.0000 1 0
98544 60 Chargedoff 0.25041 0.2253 7.0 Employed False 740.0 759.0 149.000000 1.0000 0 0
98727 36 Defaulted 0.20082 0.1935 NaN Self-employed True 700.0 719.0 0.083333 1.0000 0 0
98735 36 Chargedoff 0.27767 0.2700 NaN Not available True 600.0 619.0 186.666667 1.0000 0 0
98883 36 Chargedoff 0.28545 0.2700 NaN Full-time False 520.0 539.0 157.500000 1.0000 0 0
99010 36 Chargedoff 0.17119 0.1622 NaN Not employed False 640.0 659.0 0.083333 1.0000 0 0
99099 36 Completed 0.20484 0.1975 NaN Not available False 580.0 599.0 0.083333 1.0000 0 0
99260 36 Chargedoff 0.30532 0.2699 6.0 Employed False 700.0 719.0 5.833333 1.0000 0 0
99337 36 Chargedoff 0.25261 0.2400 NaN Not available False 540.0 559.0 67.416667 1.0000 0 0
99447 36 Completed 0.13102 0.1240 NaN Self-employed True 720.0 739.0 0.083333 1.0000 0 0
99867 36 Completed 0.16436 0.1500 NaN Not available False 600.0 619.0 0.083333 1.0000 0 0
100338 36 Completed 0.14887 0.1400 NaN Retired True 720.0 739.0 196.333333 1.0000 0 0
100649 36 Chargedoff 0.30962 0.2900 NaN Retired False 520.0 539.0 93.500000 1.0000 0 0
102283 36 Completed 0.18726 0.1800 NaN Self-employed False 600.0 619.0 0.083333 1.0000 0 0
102405 36 Completed 0.10192 0.0875 NaN NaN False NaN NaN 0.083333 1.0000 0 0
102466 36 Current 0.35356 0.3134 3.0 Employed False 680.0 699.0 3.166667 1.0000 0 0
102687 36 Defaulted 0.06676 0.0600 NaN Not available False 480.0 499.0 175.000000 1.0000 0 0
103076 60 Current 0.32321 0.2962 7.0 Employed False 600.0 619.0 166.666667 1.0000 0 0
103134 36 Completed 0.20809 0.1989 NaN Not available False 500.0 519.0 0.083333 1.0000 0 0
103550 36 Chargedoff 0.16717 0.1600 NaN Full-time True 640.0 659.0 0.083333 1.0000 0 0
103572 36 Completed 0.10692 0.1000 NaN NaN True 720.0 739.0 0.083333 1.0000 0 0
103610 36 Chargedoff 0.12223 0.1085 NaN Full-time True 740.0 759.0 0.083333 1.0000 0 0
103735 36 Chargedoff 0.35643 0.3199 1.0 Employed True 820.0 839.0 6.083333 1.0000 0 0
103792 36 Defaulted 0.19228 0.1850 NaN Self-employed True 660.0 679.0 0.083333 1.0000 3 1
103944 36 Completed 0.18478 0.1559 7.0 Self-employed False 740.0 759.0 0.083333 1.0000 0 0
104129 36 Completed 0.28574 0.2625 7.0 Part-time False 720.0 739.0 83.333333 1.0000 0 0
104168 36 Chargedoff 0.18495 0.1777 NaN Full-time True 680.0 699.0 0.083333 1.0000 0 0
104199 36 Current 0.30182 0.2629 2.0 Self-employed True 700.0 719.0 9.416667 1.0000 0 0
104483 36 Completed 0.14102 0.1233 NaN Not employed False 680.0 699.0 0.083333 1.0000 1 1
104833 36 Completed 0.16195 0.1548 NaN Not available False 640.0 659.0 0.083333 1.0000 0 0
104950 36 Defaulted 0.19329 0.1750 NaN Not available False 480.0 499.0 106.666667 1.0000 0 0
105031 36 Completed 0.20182 0.1945 NaN Part-time False 680.0 699.0 0.083333 1.0000 0 0
105243 36 Current 0.35797 0.3177 3.0 Self-employed False 720.0 739.0 34.583333 1.0000 0 0
105341 36 Completed 0.35797 0.3177 4.0 Self-employed False 780.0 799.0 41.666667 1.0000 0 0
105343 36 Completed 0.35797 0.3177 5.0 Other False 720.0 739.0 1.916667 1.0000 0 0
105555 36 Defaulted 0.14106 0.1340 NaN Self-employed True 720.0 739.0 0.083333 1.0000 0 0
105632 36 Completed 0.22744 0.2200 NaN Not available True 580.0 599.0 0.083333 1.0000 0 0
105920 36 Completed 0.17159 0.1644 NaN Self-employed False 640.0 659.0 0.083333 1.0000 0 0
106514 36 Completed 0.20037 0.1820 NaN Part-time False 600.0 619.0 0.083333 1.0000 0 0
106568 36 Defaulted 0.29776 0.2900 NaN Not available True 640.0 659.0 191.666667 1.0000 0 0
106835 36 Chargedoff 0.24891 0.2300 NaN Not available False 520.0 539.0 158.333333 1.0000 0 0
107208 36 Completed 0.29776 0.2900 NaN Not employed False 600.0 619.0 0.083333 1.0000 0 0
107590 36 Chargedoff 0.30168 0.2900 NaN Not employed False 580.0 599.0 0.083333 1.0000 0 0
107614 36 Past Due 0.35244 0.3160 1.0 Self-employed False 600.0 619.0 41.666667 1.0000 0 0
108116 36 Current 0.35132 0.3149 5.0 Employed False 660.0 679.0 3.000000 1.0000 0 0
108222 36 Completed 0.14780 0.1300 NaN Self-employed False 700.0 719.0 0.083333 1.0000 0 0
108486 36 Completed 0.14207 0.1350 NaN Not available False 620.0 639.0 0.083333 1.0000 0 0
108554 36 Completed 0.28574 0.2625 7.0 Part-time False 740.0 759.0 90.000000 1.0000 0 0
108965 36 Completed 0.09688 0.0900 NaN Self-employed True 840.0 859.0 0.083333 1.0000 1 1
108971 36 Completed 0.08829 0.0711 NaN Not available True 860.0 879.0 0.083333 1.0000 0 0
109045 36 Completed 0.18706 0.1798 NaN Full-time True 680.0 699.0 0.083333 1.0000 0 0
109064 36 Completed 0.15144 0.1300 NaN Self-employed False 660.0 679.0 150.000000 1.0000 1 0
109083 36 Completed 0.17141 0.1594 NaN Full-time False 620.0 639.0 200.000000 1.0000 0 0
109111 36 Chargedoff 0.25757 0.2500 NaN Not employed False 620.0 639.0 0.083333 1.0000 0 0
109123 36 Chargedoff 0.23186 0.2244 NaN Full-time True 740.0 759.0 0.083333 1.0000 0 0
109144 36 Defaulted 0.30952 0.2899 NaN Full-time False 520.0 539.0 0.083333 1.0000 0 0
109169 36 Current 0.15324 0.1249 7.0 Self-employed False 720.0 739.0 41.666667 1.0000 0 0
109451 36 Current 0.29486 0.2561 6.0 Employed False 740.0 759.0 100.000000 1.0000 0 0
110498 36 Defaulted 0.30532 0.2699 6.0 Employed False 760.0 779.0 166.666667 1.0000 0 0
110529 36 Current 0.25371 0.2159 3.0 Employed False 660.0 679.0 167.750000 1.0000 0 0
110566 36 Completed 0.20725 0.1999 NaN Self-employed True 620.0 639.0 0.083333 1.0000 1 1
110804 36 Chargedoff 0.30564 0.2900 NaN Not employed False 520.0 539.0 0.083333 1.0000 0 0
110912 36 Current 0.17359 0.1449 8.0 Employed False 740.0 759.0 1.833333 1.0000 0 0
110983 36 Completed 0.12650 0.1195 NaN Self-employed True 760.0 779.0 0.083333 1.0000 0 0
111146 36 Completed 0.17671 0.1695 NaN Self-employed False 640.0 659.0 0.083333 1.0000 0 0
111321 36 Completed 0.17445 0.1600 NaN Self-employed True 720.0 739.0 0.083333 1.0000 1 0
111793 36 Completed 0.16436 0.1500 NaN Self-employed False 700.0 719.0 145.000000 1.0000 0 1
111877 36 Defaulted 0.29049 0.2750 NaN Self-employed True 520.0 539.0 0.083333 1.0000 0 0
112308 36 Completed 0.16516 0.1580 NaN Self-employed True 720.0 739.0 0.083333 1.0000 0 0
112695 36 Current 0.35797 0.3177 4.0 Employed False 740.0 759.0 191.666667 1.0000 0 0
112712 36 Chargedoff 0.25517 0.2400 NaN Full-time False 620.0 639.0 0.083333 1.0000 0 0
113099 36 Current 0.33286 0.2932 3.0 Employed False 680.0 699.0 2.083333 1.0000 0 0
113258 60 Defaulted 0.27554 0.2498 6.0 Employed True 780.0 799.0 2.916667 1.0000 0 0
113559 36 Current 0.35132 0.3149 5.0 Employed True 680.0 699.0 18.333333 1.0000 0 0
113626 36 Completed 0.17722 0.1700 NaN NaN False 720.0 739.0 0.083333 1.0000 0 0

Many of these incomes are problematic, values like: 0.083333, 3.333333, 9.416667 2.500000 appeared in these rows. Does these look like realistic incomes? Especially for 0.083333, which showed up multiple times in these rows, it is more possible to be a input error rather than real values. Therefore, all of these rows could be dropped, as they are either outliers or wrong values.

In [35]:
df_sub.drop(index=df_sub.query('StatedMonthlyIncome <= 200').index, inplace=True)
In [36]:
# plot the StatedMonthlyIncome again
log_binsize = 0.025
bins = 10 ** np.arange(0.0, np.log10(df_sub.StatedMonthlyIncome.max())+log_binsize, log_binsize)

# insert a bin at 0, since there are some values = 0 for StatedMonthlyIncome
bins = list(bins)
bins.insert(0, 0)

plt.figure(figsize= (10, 5))
plt.hist(data=df_sub, x='StatedMonthlyIncome', bins=bins)

# change the graph to log scale
plt.xscale('log');
plt.xticks([500, 1e3, 2e3, 5e3, 1e4, 2e4, 5e4], [ 500, '1k', '2k', '5k', '10k', '20k', '50k'])

plt.xlabel('StatedMonthlyIncome ($)')
plt.ylabel('Count');

This time the graph looks better in distribution with no visible outliers.

Take a look at the PercentFunded variable, it refers to the amound of loan that were funded to a borrower.

In [37]:
# plot the distribution of PercentFunded
bins_edge =  np.arange(0, df_sub.PercentFunded.max() + 0.01, 0.01)
plt.hist(data=df_sub, x='PercentFunded', bins=bins_edge);
In [38]:
print(df_sub.query('0.99 <= PercentFunded <= 1.01')['Term'].count())
print('{:.5%}'.format(df_sub.query('0.99 <= PercentFunded <= 1.01')['Term'].count() / df_sub['Term'].count()))
110995
99.26309%
110995
99.26309%

The vast majority of PercentFunded is in the interval between 0.99 and 1.01. The variable is so concentrated and would less of interest in later analysis.

Take a look at the Recommendations variable.

In [39]:
bins_edge = np.arange(0, df_sub.Recommendations.max()+1, 1)
plt.hist(data=df_sub, x='Recommendations', bins=bins_edge);
In [40]:
print(df_sub.query('Recommendations == 0')['Term'].count())
print('{:.5%}'.format(df_sub.query('Recommendations == 0')['Term'].count() / df_sub['Term'].count()))
107778
96.38612%
107778
96.38612%

More than 96% of the Recommendations are 0, again, the variable would be less of interest in further analysis.

In [41]:
bins_edge = np.arange(0, df_sub.InvestmentFromFriendsCount.max()+1, 1)
plt.hist(data=df_sub, x='InvestmentFromFriendsCount', bins=bins_edge);
In [42]:
print(df_sub.query('InvestmentFromFriendsCount == 0')['Term'].count())
print('{:.5%}'.format(df_sub.query('InvestmentFromFriendsCount == 0')['Term'].count() / df_sub['Term'].count()))
109843
98.23286%
109843
98.23286%

Similarly, 98% of InvestmentFromFriendsCount is 0, which makes the variable less of further interest.

Next up, ProsperScore.

It would be better to categorize ProsperScore.

In [43]:
df_sub['ProsperScore'] = df_sub['ProsperScore'].astype('category')
In [44]:
# get the relative frequency of ProsperScore, i.e., by proportion
n_points = df_sub.shape[0]
max_count = df_sub['ProsperScore'].value_counts().max()
max_prop = max_count / n_points

# generate tick mark locations and names
tick_props = np.arange(0, max_prop, 0.05)
tick_names = ['{:0.2f}'.format(v) for v in tick_props]

# create the plot
plt.figure(figsize=(10,5))
sb.countplot(data = df_sub, x = 'ProsperScore', color = base_color, )
plt.yticks(tick_props * n_points, tick_names)
plt.ylabel('proportion')

locs, labels = plt.xticks() # get the current tick locations and labels

# also loops over the value_counts series
j = 1

# loop through each pair of locations and labels
for loc, label in zip(locs, labels):

    # get the text property for the label to get the correct count
    count = df_sub['ProsperScore'].value_counts()[j]
    pct_string = '{:0.3f}%'.format(100*count/n_points)

    # print the annotation just below the top of the bar
    plt.text(loc, count+100, pct_string, ha = 'center', color = 'black')

    j += 1

Finally, BorrowerAPR and BorrowerRate are anlayzed, they would be the 'to-indicators' like LoanStatus (means using other variables to determine them).

In [45]:
df_sub.head(10)
Out[45]:
Term LoanStatus BorrowerAPR BorrowerRate ProsperScore EmploymentStatus IsBorrowerHomeowner CreditScoreRangeLower CreditScoreRangeUpper StatedMonthlyIncome PercentFunded Recommendations InvestmentFromFriendsCount
0 36 Completed 0.16516 0.1580 NaN Self-employed True 640.0 659.0 3083.333333 1.0 0 0
1 36 Current 0.12016 0.0920 7.0 Employed False 680.0 699.0 6125.000000 1.0 0 0
2 36 Completed 0.28269 0.2750 NaN Not available False 480.0 499.0 2083.333333 1.0 0 0
3 36 Current 0.12528 0.0974 9.0 Employed True 800.0 819.0 2875.000000 1.0 0 0
4 36 Current 0.24614 0.2085 4.0 Employed True 680.0 699.0 9583.333333 1.0 0 0
5 60 Current 0.15425 0.1314 10.0 Employed True 740.0 759.0 8333.333333 1.0 0 0
6 36 Current 0.31032 0.2712 2.0 Employed False 680.0 699.0 2083.333333 1.0 0 0
7 36 Current 0.23939 0.2019 4.0 Employed False 700.0 719.0 3355.750000 1.0 0 0
8 36 Current 0.07620 0.0629 9.0 Employed True 820.0 839.0 3333.333333 1.0 0 0
9 36 Current 0.07620 0.0629 11.0 Employed True 820.0 839.0 3333.333333 1.0 0 0
Out[45]:
Term LoanStatus BorrowerAPR BorrowerRate ProsperScore EmploymentStatus IsBorrowerHomeowner CreditScoreRangeLower CreditScoreRangeUpper StatedMonthlyIncome PercentFunded Recommendations InvestmentFromFriendsCount
0 36 Completed 0.16516 0.1580 NaN Self-employed True 640.0 659.0 3083.333333 1.0 0 0
1 36 Current 0.12016 0.0920 7.0 Employed False 680.0 699.0 6125.000000 1.0 0 0
2 36 Completed 0.28269 0.2750 NaN Not available False 480.0 499.0 2083.333333 1.0 0 0
3 36 Current 0.12528 0.0974 9.0 Employed True 800.0 819.0 2875.000000 1.0 0 0
4 36 Current 0.24614 0.2085 4.0 Employed True 680.0 699.0 9583.333333 1.0 0 0
5 60 Current 0.15425 0.1314 10.0 Employed True 740.0 759.0 8333.333333 1.0 0 0
6 36 Current 0.31032 0.2712 2.0 Employed False 680.0 699.0 2083.333333 1.0 0 0
7 36 Current 0.23939 0.2019 4.0 Employed False 700.0 719.0 3355.750000 1.0 0 0
8 36 Current 0.07620 0.0629 9.0 Employed True 820.0 839.0 3333.333333 1.0 0 0
9 36 Current 0.07620 0.0629 11.0 Employed True 820.0 839.0 3333.333333 1.0 0 0
In [46]:
# plot the distributions of BorrowerAPR and BorrowerRate
plt.figure(figsize=(8,4))

bins_edge = np.arange(0, df_sub.BorrowerAPR.max()+0.002, 0.002)
plt.subplot(1,2,1)
plt.hist(data=df_sub, x='BorrowerAPR', bins=bins_edge)
plt.xlabel('BorrowerAPR')
plt.ylabel('count')

plt.subplots_adjust(wspace=0.4)

bins_edge = np.arange(0, df_sub.BorrowerRate.max()+0.002, 0.002)
plt.subplot(1,2,2)
plt.hist(data=df_sub, x='BorrowerRate', bins=bins_edge)
plt.xlabel('BorrowerRate')
plt.ylabel('count');

The two distributions look very similar, and they have a extremly high count at around 0.35 and 0.3 respectively.

In [47]:
# combine the two plots
plt.figure(figsize=(8,6))
bins_edge = np.arange(0, df_sub.BorrowerAPR.max()+0.002, 0.002)
plt.hist(data=df_sub, x='BorrowerAPR', bins=bins_edge)

bins_edge = np.arange(0, df_sub.BorrowerRate.max()+0.002, 0.002)
plt.hist(data=df_sub, x='BorrowerRate', bins=bins_edge)
plt.xlabel('BorrowerRate/APR combined')
plt.ylabel('count')
plt.legend(['BorrowerAPR', 'BorrowerRate']);

Not surprisingly, the two graphs look very alike.

The StatedMonthlyIncome took a very long range of values, as such a log transform was applied. After the transformation ,the variable looks to be normally distributed, but still with a extremely long tail in both directions.

During the above process, many invalid income values were found, and were excluded from the dataset, a significant amount of outliers were thus removed. This is important for bivariate and multivariate analysis in the later part, because those values would enormously drag the average income low.

Briefly, after the univariate exploration, three variables were deemed to be less value of analysis, and would not be used in the next part. They are:

PercentFunded, Recommendations, InvestmentFromFriendsCount.

The rest will be used to move forwards are:

Term, LoanStatus, BorrowerAPR, BorrowerRate, EmploymentStatus, IsBorrowerHomeowner,

CreditScoreRangeLower, ProsperScore, CreditScoreRangeUpper, and StatedMonthlyIncome (10 variables in total).

Bivariate Exploration

To start off with, I want to look at the pairwise correlations present between features in the data.

This part will focus on the relationship between: first, BorrowerAPR and BorrowerRate and the other variables, to dig out the

determinants of brrowers' interest rate; second, LoanStatusand the other variables, to dig out what would be the potential reason for a loan to go bad.

I will start with BorrowerAPR and BorrowerRate (Borrowers rate).

In [48]:
numeric_vars = ['BorrowerAPR', 'BorrowerRate', 'CreditScoreRangeLower', 'CreditScoreRangeUpper', 
                'StatedMonthlyIncome']
categoric_vars = ['Term', 'LoanStatus', 'EmploymentStatus', 'IsBorrowerHomeowner', 'ProsperScore']
In [49]:
# correlation plot
plt.figure(figsize = [14, 7])
sb.heatmap(df_sub[numeric_vars].corr(), annot = True, fmt = '.3f',
           cmap = 'Blues_r', center = 0.25)
plt.show()
In [50]:
# plot matrix: sample 500 loans so that plots are clearer and
# they render faster
samples = np.random.choice(df_sub.shape[0], 500, replace = False)
df_sub_samp = df_sub.loc[samples,:]

g = sb.PairGrid(data = df_sub_samp, vars = numeric_vars)
g = g.map_diag(plt.hist, bins = 50);
g.map_offdiag(plt.scatter, color='Grey');
/anaconda3/lib/python3.7/site-packages/pandas/core/indexing.py:1494: FutureWarning: 
Passing list-likes to .loc or [] with any missing label will raise
KeyError in the future, you can use .reindex() as an alternative.

See the documentation here:
https://pandas.pydata.org/pandas-docs/stable/indexing.html#deprecate-loc-reindex-listlike
  return self._getitem_tuple(key)
/anaconda3/lib/python3.7/site-packages/pandas/core/indexing.py:1494: FutureWarning: 
Passing list-likes to .loc or [] with any missing label will raise
KeyError in the future, you can use .reindex() as an alternative.

See the documentation here:
https://pandas.pydata.org/pandas-docs/stable/indexing.html#deprecate-loc-reindex-listlike
  return self._getitem_tuple(key)
/anaconda3/lib/python3.7/site-packages/numpy/lib/histograms.py:824: RuntimeWarning: invalid value encountered in greater_equal
  keep = (tmp_a >= first_edge)
/anaconda3/lib/python3.7/site-packages/numpy/lib/histograms.py:825: RuntimeWarning: invalid value encountered in less_equal
  keep &= (tmp_a <= last_edge)
/anaconda3/lib/python3.7/site-packages/numpy/lib/histograms.py:824: RuntimeWarning: invalid value encountered in greater_equal
  keep = (tmp_a >= first_edge)
/anaconda3/lib/python3.7/site-packages/numpy/lib/histograms.py:825: RuntimeWarning: invalid value encountered in less_equal
  keep &= (tmp_a <= last_edge)

As observed from above, there is a moderate negative raltionship between the two credit score bounds and the two borrorwers rate. Meanwhile, the two pairs of vriables are almost podtively related to each other perfectly. The rest numeric variabels are not as related to the two borrorwers rate.

Let's see how borrowers rate interact with other categorical variables.

First off, see how ProsperScore, Term, EmploymentStatus, and IsBorrowerHomeowner relates to borrowers rate.

In [51]:
# plot matrix of Borrowers rate against categorical features.
i = 1
def scattergrid(x, y, **kwargs):
    """ Quick hack for creating scatter plots with pyplot's subplot. """
    
    
    global i
    plt.subplot(4,2,i)
    plt.subplots_adjust(wspace=0.2, hspace= 1, )
    sb.stripplot(x, y, color = base_color, alpha = 0.1)
    i += 1

plt.figure(figsize=(20, 20))
scattergrid(df_sub.ProsperScore, df_sub.BorrowerAPR)
scattergrid(df_sub.ProsperScore, df_sub.BorrowerRate)
scattergrid(df_sub.Term, df_sub.BorrowerAPR)
scattergrid(df_sub.Term, df_sub.BorrowerRate)
i = 1
In [52]:
i = 1
plt.figure(figsize=(20, 20))
scattergrid(df_sub.EmploymentStatus, df_sub.BorrowerAPR)
plt.xticks(rotation = -10)
scattergrid(df_sub.EmploymentStatus, df_sub.BorrowerRate)
plt.xticks(rotation = -10)
scattergrid(df_sub.IsBorrowerHomeowner, df_sub.BorrowerAPR)
scattergrid(df_sub.IsBorrowerHomeowner, df_sub.BorrowerRate);

As observed from above, ProsperScore seemed to be negatively related to the two borrowers rate. When ProsperScore was as low as 1.0, typical borrowers rate went up high to 3.0. In the middle, however, Borrowers rate could take a wide range of vlaue, from 0.1 to 0.3.

The other variables like Term, EmploymentStatus, and IsBorrowerHomeowner, do not have a visible correlation with Borrowers rate.

The disciussion will now shift from BorrowerAPR and BorrowerRate to LoanStatus, to see how other variables interact with it.

In [53]:
# plot matrix of LoanStatus against numeric features.
i = 1
def Boxgrid(x, y, **kwargs):
    """ Quick hack for creating scatter plots with pyplot's subpplot """
    
    
    global i
    plt.subplot(2,2,i)
    plt.subplots_adjust(wspace=0.2, hspace= 0.3, )
    sb.violinplot(x, y, color = base_color)
    i += 1

plt.figure(figsize=(15, 15))
Boxgrid(df_sub.LoanStatus, df_sub.CreditScoreRangeLower)
Boxgrid(df_sub.LoanStatus, df_sub.CreditScoreRangeUpper)
Boxgrid(df_sub.LoanStatus, df_sub.StatedMonthlyIncome)
i = 1

Just as expected, the CreditScore Bounds has wave-like distribution, this is most visible in the Current LoanStatus. And not suprisingly, the Defaulted, Cancelled, Chargedoff and Past Due LoanStatus, which all are bad loans, have a lower median CreditScore Bounds than the Current and InProgress LoanStatus, which are good loans (or about to be good loans). This might reveal that good debts came from a high credit score borrower on average.

Despite the extremely long tails (indicates great outliers) in StatedMonthlyIncome, it is still visible that the Current and InProgress LoanStatus have a higher income in medians.

In [54]:
# plot matrix of LoanStatus against categorical features.

i = 1
def Countgrid(x, hue, subtitile, **kwargs):
    """ Quick hack for creating counts plots with pyplot's subplot. """
    
    
    global i
    plt.subplot(2,2,i)
    plt.subplots_adjust(wspace=0.2, hspace= 0.2, )
    sb.countplot(x, hue=hue, palette='Reds')
    plt.legend(loc=1)
    plt.gca().set_title(subtitile)
    i += 1
    
plt.figure(figsize=(15, 10))
Countgrid(df_sub.LoanStatus, df_sub.Term, "Term")
Countgrid(df_sub.LoanStatus, df_sub.EmploymentStatus, 'EmploymentStatus')
Countgrid(df_sub.LoanStatus, df_sub.IsBorrowerHomeowner, 'IsBorrowerHomeowner')
Countgrid(df_sub.LoanStatus, df_sub.ProsperScore, 'ProsperScore')
i = 1

60 months' Term seem to have a better performance in LoanStatus, compared to the mode 36 months, fewer loans were Chargedoff or went Defaulted in 60 months loans.

EmploymentStatus did not give much suprise, as the plot is relatively constant on each column.

Is borrowers did not own a home (IsBorrowerHomeowner), they had a sligtly higher chance of making the loans bad. However, the differece should not be statistically significant enough.

ProsperScore showed that borrowers with a higher score are less likely in making the loans bad.

Finally, let's examine the relationships between the three pivot vriables, LoanStatus, BorrowerAPR, and BorrowerRate.

In [55]:
# plot matrix of LoanStatus against numeric features.
i = 1
def Boxgrid(x, y, **kwargs):
    """ Quick hack for creating point plots with seaborn's pointplot """
    
    
    global i
    plt.subplot(1,2,i)
    plt.subplots_adjust(wspace=0.2, hspace= 0.3, )
    sb.pointplot(x, y, linestyles = ":", color=base_color)
    plt.title('Avg. value')
    i += 1

plt.figure(figsize=(17, 5))
Boxgrid(df_sub.LoanStatus, df_sub.BorrowerAPR)
Boxgrid(df_sub.LoanStatus, df_sub.BorrowerRate)
i = 1

The general trend is evident, Current and Completed LoanStatus has the lowest average borrowers rate overall, if we considered the great errorlines in Cancelled. Chargedoff, Defaulted, and Past Due all have high borrowers rate on average.

For LoanStatus: CreditScore Bounds, Term, ProsperScore seemed to affect it in various ways.

There is also an interplay betweeen the three pivot variables, although their relationships were not intended to be analyzed initially.

#### Given the extreme similarity in distributions between `BorrowerAPR` and `BorrowerRate` , and as well as between `CreditScoreRangeLower` and `CreditScoreRangeUpper`, I would only use one of each pair to analyze in the next section: namely, `BorrowerAPR` and `CreditScoreRangeLower`. ####

Multivariate Exploration

In this section, I will analyze the relationships between each 3 of the variables, to see how they affect the pivot variables in a deeper level of details.

I will start by looking at BorrowerAPR, CreditScoreRangeLower, and ProsperScore.

In [56]:
# create faceted heat maps on levels of the ProsperScore variable
bins_x = np.arange(df_sub.CreditScoreRangeLower.min()+150, df_sub.CreditScoreRangeLower.max(), 25.0)
bins_y = np.arange(0.0, 0.3, 0.05)

i = 1
def hist2dgrid(ProsperScore, **kwargs):
    """ Quick hack for creating heatmap plots with pyplot's hist2d """
    
    df_sub_temp = df_sub[df_sub.ProsperScore == ProsperScore]
    
    global i
    plt.subplot(6,2,i)
    plt.subplots_adjust(wspace=0.1, hspace= 0.5, )
    plt.hist2d(data=df_sub_temp, x='CreditScoreRangeLower', y='BorrowerRate' , cmin=0.5, 
               cmap = 'viridis_r', bins = [bins_x, bins_y])
    plt.gca().set_title('ProsperScore = '+ str(i))
    i = int(i)
    i += 1

plt.figure(figsize=(14,17))
for i in range(1, 12):
    hist2dgrid(i)

plt.colorbar()
plt.show()

The trend is most obvious in high ProsperScore, like 9.0, 10.0, and 11.0. In high ProsperScore, the interst rate decreases as borrowers' CreditScoreRangeLower increases. However, the trend is not so evident in low ProsperScore.

Next up, I will move on to LoanStatus, and starting with its relationship with Term and CreditScoreRangeLower.

In [57]:
# plot the matrices between LoanStatus, Term, and CreditScoreRangeLower. 
g = sb.FacetGrid(data = df_sub, col = 'LoanStatus', height = 4, col_wrap=3)
g.map(sb.boxenplot, 'Term', 'CreditScoreRangeLower', color=base_color,);
/anaconda3/lib/python3.7/site-packages/seaborn/axisgrid.py:715: UserWarning: Using the boxenplot function without specifying `order` is likely to produce an incorrect plot.
  warnings.warn(warning)
/anaconda3/lib/python3.7/site-packages/seaborn/axisgrid.py:715: UserWarning: Using the boxenplot function without specifying `order` is likely to produce an incorrect plot.
  warnings.warn(warning)

Let's look at each plot individually, the Cancelled plot can not provide much information since it only has the Term of 36; in the Chargedoff plot, lower median of CreditScore is observed in Term 36; in btoh Completed and Current plots, differnt Term values did not show much difference in median; in Defaulted and Inprogress plots, the Term36 revealed a low median Creditscore; finally, the Past Due plot did show significant enough difference in medians.

Briefly, if a loan was borrowed in a Term of 36, then it is more likely to go bad, if the borrower's CreditScore is below 700.

Now, we can move on to the pair LoanStaus, Term, and ProsperScore.

In [58]:
# plot the matrices between LoanStatus, Term, and CreditScoreRangeLower. 
g = sb.FacetGrid(data = df_sub, col = 'LoanStatus', height = 4, col_wrap=3)
g.map(sb.boxenplot, 'ProsperScore', 'CreditScoreRangeLower', color=sb.color_palette()[6]);
/anaconda3/lib/python3.7/site-packages/seaborn/axisgrid.py:715: UserWarning: Using the boxenplot function without specifying `order` is likely to produce an incorrect plot.
  warnings.warn(warning)
/anaconda3/lib/python3.7/site-packages/seaborn/axisgrid.py:715: UserWarning: Using the boxenplot function without specifying `order` is likely to produce an incorrect plot.
  warnings.warn(warning)

One interesting fact from the plots: if a borrower has a high ProsperScore of 11.0 and a high CreditScoreRangeLower, then his/her loan is almost guaranteed to not go bad. This is witnessed in the Defaulted, Chargedoff, and PastDue boxplots, they have close to zero amount of data with high ProsperScore and high CreditScoreRangeLower at the same time.

Finally, we will look the three categoricals: LoanStatus, Term, and ProsperScore.

In [59]:
# plot the matrices between LoanStatus, Term, and ProsperScore. 

#since our attention can be focused on the bad loans distribution, I will limit the LoanSatus here.
LoanStatus_sub = ['Cancelled', 'Chargedoff', 'Defaulted', 'Past Due']
df_sub_temp = df_sub.copy()
df_sub_temp  = df_sub_temp[df_sub_temp['LoanStatus'].isin(LoanStatus_sub)]
LoanStatus_sub_order = pd.api.types.CategoricalDtype(categories=LoanStatus_sub, ordered=True)
df_sub_temp.LoanStatus =  df_sub_temp.LoanStatus.astype(LoanStatus_sub_order)

g = sb.FacetGrid(data = df_sub_temp, col = 'Term',row='ProsperScore', height = 4, aspect=1.5)
g.map(sb.countplot, 'LoanStatus', color=sb.color_palette()[7]);
/anaconda3/lib/python3.7/site-packages/seaborn/axisgrid.py:715: UserWarning: Using the countplot function without specifying `order` is likely to produce an incorrect plot.
  warnings.warn(warning)
/anaconda3/lib/python3.7/site-packages/seaborn/axisgrid.py:715: UserWarning: Using the countplot function without specifying `order` is likely to produce an incorrect plot.
  warnings.warn(warning)

Just as expected, median ProsperScore like 5.0, 6.0 and 7.0, and the Term of 36 contributed most to bad loans. The low ProsperScore though, might have fewer data in total, and therefore resulted in less count of bad loans.

A great deal of interplays were obsereved in this session:

  • In high ProsperScore, the interst rate decreases as borrowers' CreditScoreRangeLower increases.
  • If a loan was borrowed in a Term of 36, then it is more likely to go bad, if the borrower's CreditScore is below 700.
  • If a borrower has a high ProsperScore of 11.0 and a high CreditScoreRangeLower above 700, then his/her loan is almost guaranteed to not go bad.
  • Median and low ProsperScore (< 9.0) in the Term 36 coontributed most to bad loans.

Surprisingly, even if the ProsperScore was recorded as high as 10.0, it is still possible for the loans to go bad. Meanwhile, high Credit Score alone was not sufficient enough to guarantee the sfaety of loans.